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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 | $22,327 | $76,696-70.9% | $96,515-76.9% | $71,511-68.8% |
| Participation rate | 69.8% | 66.6%+3.2pp | 74.3%-4.5pp | 67.9%+1.9pp |
| Annual return | 21.29% | 48.32%-27.0pp | 35.73%-14.4pp | 28.86%-7.6pp |
| Employer contribution / active EE | $2,734 | $3,032-9.8% | $3,740-26.9% | $2,589+5.6% |
| Participant deferral / active EE | $2,422 | $3,770-35.7% | $4,880-50.4% | $4,291-43.5% |
| Admin fee / account holder | $2,318 | $2,030+14.2% | $6,735-65.6% | $1,588+46.0% |