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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,216 | $101,752-74.2% | $164,928-84.1% | $80,911-67.6% |
| Participation rate | 59.0% | 71.8%-12.9pp | 78.6%-19.6pp | 67.6%-8.7pp |
| Annual return | 16.83% | 16.73%+0.1pp | 70.08%-53.3pp | 35.63%-18.8pp |
| Employer contribution / active EE | $4,220 | $2,953+42.9% | $4,343-2.9% | $2,756+53.1% |
| Participant deferral / active EE | $5,538 | $4,477+23.7% | $6,034-8.2% | $4,297+28.9% |
| Admin fee / account holder | $698 | $8,218-91.5% | $12,684-94.5% | $6,935-89.9% |