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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 | $29,265 | $86,949-66.3% | $102,460-71.4% | $80,959-63.9% |
| Participation rate | 60.0% | 72.4%-12.4pp | 76.5%-16.5pp | 67.7%-7.7pp |
| Annual return | 19.80% | 18.89%+0.9pp | 29.47%-9.7pp | 35.67%-15.9pp |
| Employer contribution / active EE | $1,747 | $2,370-26.3% | $3,025-42.3% | $2,757-36.6% |
| Participant deferral / active EE | $2,594 | $4,121-37.1% | $5,056-48.7% | $4,300-39.7% |
| Admin fee / account holder | $2,453 | $8,048-69.5% | $9,460-74.1% | $6,925-64.6% |