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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 | $81,334-72.7% | $113,397-80.4% | $64,097-65.3% |
| Participation rate | 56.4% | 65.6%-9.2pp | 76.5%-20.1pp | 55.2%+1.2pp |
| Annual return | 23.46% | 32.50%-9.0pp | 23.20%+0.3pp | 34.64%-11.2pp |
| Employer contribution / active EE | $691 | $2,077-66.7% | $2,977-76.8% | $1,891-63.5% |
| Participant deferral / active EE | $3,520 | $3,795-7.3% | $5,076-30.7% | $3,080+14.3% |
| Admin fee / account holder | $2,963 | $4,208-29.6% | $11,957-75.2% | $3,454-14.2% |