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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 | $17,447 | $76,551-77.2% | $123,894-85.9% | $62,881-72.3% |
| Participation rate | 58.8% | 73.0%-14.2pp | 81.4%-22.6pp | 69.3%-10.5pp |
| Annual return | 9.77% | 18.68%-8.9pp | 47.52%-37.7pp | 20.14%-10.4pp |
| Employer contribution / active EE | $2,792 | $2,882-3.1% | $4,617-39.5% | $2,281+22.4% |
| Participant deferral / active EE | $6,168 | $4,840+27.4% | $5,984+3.1% | $3,203+92.6% |
| Admin fee / account holder | $2,055 | $4,826-57.4% | $8,357-75.4% | $4,296-52.2% |