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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 | $22,236 | $85,515-74.0% | $112,040-80.2% | $67,986-67.3% |
| Participation rate | 56.4% | 68.2%-11.8pp | 76.5%-20.1pp | 57.2%-0.8pp |
| Annual return | 23.46% | 29.68%-6.2pp | 24.52%-1.1pp | 31.67%-8.2pp |
| Employer contribution / active EE | $691 | $2,191-68.5% | $2,954-76.6% | $2,019-65.8% |
| Participant deferral / active EE | $3,520 | $4,014-12.3% | $5,098-31.0% | $3,358+4.8% |
| Admin fee / account holder | $2,963 | $3,774-21.5% | $12,098-75.5% | $3,203-7.5% |