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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 | $15,601 | $80,983-80.7% | $96,544-83.8% | $75,177-79.2% |
| Participation rate | 68.9% | 71.8%-2.9pp | 76.0%-7.1pp | 67.2%+1.7pp |
| Annual return | 36.33% | 27.05%+9.3pp | 25.88%+10.5pp | 160.75%-124.4pp |
| Employer contribution / active EE | $1,764 | $2,282-22.7% | $2,966-40.5% | $2,671-34.0% |
| Participant deferral / active EE | $3,167 | $3,929-19.4% | $4,851-34.7% | $4,126-23.3% |
| Admin fee / account holder | $1,243 | $6,717-81.5% | $8,254-84.9% | $5,651-78.0% |