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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 | $16,762 | $63,365-73.5% | $91,994-81.8% | $72,976-77.0% |
| Participation rate | 65.9% | 72.5%-6.7pp | 78.6%-12.8pp | 69.5%-3.6pp |
| Annual return | 28.34% | 35.35%-7.0pp | 69.04%-40.7pp | 81.02%-52.7pp |
| Employer contribution / active EE | $2,734 | $2,116+29.2% | $3,453-20.8% | $2,440+12.0% |
| Participant deferral / active EE | $3,965 | $4,883-18.8% | $5,924-33.1% | $3,608+9.9% |
| Admin fee / account holder | $753 | $4,670-83.9% | $7,744-90.3% | $5,124-85.3% |