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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 | $37,846 | $123,793-69.4% | $177,840-78.7% | $79,852-52.6% |
| Participation rate | 50.0% | 84.7%-34.7pp | 87.7%-37.7pp | 69.6%-19.6pp |
| Annual return | 32.75% | 22.82%+9.9pp | 48.32%-15.6pp | 31.72%+1.0pp |
| Employer contribution / active EE | $2,854 | $4,095-30.3% | $5,919-51.8% | $2,471+15.5% |
| Participant deferral / active EE | $3,940 | $5,956-33.9% | $7,714-48.9% | $3,740+5.3% |
| Admin fee / account holder | $684 | $7,243-90.6% | $12,431-94.5% | $5,306-87.1% |