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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 | $26,016 | $86,940-70.1% | $102,434-74.6% | $80,935-67.9% |
| Participation rate | 68.2% | 72.4%-4.2pp | 76.5%-8.3pp | 67.7%+0.5pp |
| Annual return | 16.90% | 18.89%-2.0pp | 29.46%-12.6pp | 35.66%-18.8pp |
| Employer contribution / active EE | $1,789 | $2,370-24.5% | $3,023-40.8% | $2,757-35.1% |
| Participant deferral / active EE | $3,999 | $4,121-3.0% | $5,055-20.9% | $4,299-7.0% |
| Admin fee / account holder | $549 | $8,047-93.2% | $9,462-94.2% | $6,924-92.1% |