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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 | $31,008 | $123,793-75.0% | $177,827-82.6% | $79,858-61.2% |
| Participation rate | 48.5% | 84.7%-36.2pp | 87.7%-39.2pp | 69.6%-21.2pp |
| Annual return | 21.71% | 22.82%-1.1pp | 48.32%-26.6pp | 31.72%-10.0pp |
| Employer contribution / active EE | $4,170 | $4,095+1.8% | $5,918-29.5% | $2,471+68.8% |
| Participant deferral / active EE | $4,073 | $5,956-31.6% | $7,713-47.2% | $3,740+8.9% |
| Admin fee / account holder | $860 | $7,243-88.1% | $12,429-93.1% | $5,306-83.8% |