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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 | $25,496 | $72,492-64.8% | $87,102-70.7% | $72,983-65.1% |
| Participation rate | 56.2% | 72.8%-16.6pp | 76.9%-20.7pp | 69.5%-13.3pp |
| Annual return | 26.43% | 24.46%+2.0pp | 28.19%-1.8pp | 81.01%-54.6pp |
| Employer contribution / active EE | $1,120 | $1,894-40.9% | $2,521-55.6% | $2,440-54.1% |
| Participant deferral / active EE | $2,399 | $3,270-26.6% | $4,048-40.7% | $3,608-33.5% |
| Admin fee / account holder | $946 | $5,055-81.3% | $7,491-87.4% | $5,124-81.5% |