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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 | $27,311 | $83,485-67.3% | $125,192-78.2% | $72,975-62.6% |
| Participation rate | 59.4% | 73.3%-13.9pp | 79.8%-20.4pp | 69.5%-10.1pp |
| Annual return | 26.04% | 25.77%+0.3pp | 43.79%-17.8pp | 81.01%-55.0pp |
| Employer contribution / active EE | $759 | $2,346-67.6% | $3,866-80.4% | $2,440-68.9% |
| Participant deferral / active EE | $1,830 | $3,586-49.0% | $4,937-62.9% | $3,608-49.3% |
| Admin fee / account holder | $4,983 | $5,518-9.7% | $9,704-48.6% | $5,124-2.8% |