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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 | $18,479 | $71,526-74.2% | $98,450-81.2% | $71,495-74.2% |
| Participation rate | 43.8% | 72.7%-28.9pp | 75.2%-31.4pp | 67.9%-24.1pp |
| Annual return | 23.50% | 32.42%-8.9pp | 21.16%+2.3pp | 28.85%-5.3pp |
| Employer contribution / active EE | $1,839 | $2,400-23.3% | $3,049-39.7% | $2,589-29.0% |
| Participant deferral / active EE | $2,731 | $4,110-33.5% | $4,739-42.4% | $4,291-36.4% |
| Admin fee / account holder | $1,646 | $1,675-1.7% | $8,961-81.6% | $1,588+3.7% |