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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 | $17,844 | $79,955-77.7% | $98,450-81.9% | $75,181-76.3% |
| Participation rate | 62.5% | 70.4%-7.9pp | 75.2%-12.7pp | 67.2%-4.7pp |
| Annual return | 36.28% | 19.75%+16.5pp | 21.16%+15.1pp | 160.69%-124.4pp |
| Employer contribution / active EE | $2,762 | $2,264+22.0% | $3,049-9.4% | $2,671+3.4% |
| Participant deferral / active EE | $4,787 | $3,752+27.6% | $4,739+1.0% | $4,126+16.0% |
| Admin fee / account holder | $339 | $6,841-95.0% | $8,961-96.2% | $5,650-94.0% |