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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 | $28,521 | $85,515-66.6% | $112,040-74.5% | $67,986-58.0% |
| Participation rate | 57.9% | 68.2%-10.3pp | 76.5%-18.6pp | 57.2%+0.7pp |
| Annual return | 20.54% | 29.68%-9.1pp | 24.52%-4.0pp | 31.67%-11.1pp |
| Employer contribution / active EE | $1,317 | $2,191-39.9% | $2,954-55.4% | $2,019-34.8% |
| Participant deferral / active EE | $2,614 | $4,014-34.9% | $5,098-48.7% | $3,358-22.1% |
| Admin fee / account holder | $3,918 | $3,774+3.8% | $12,098-67.6% | $3,203+22.3% |