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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 | $21,662 | $86,940-75.1% | $102,434-78.9% | $80,935-73.2% |
| Participation rate | 68.5% | 72.4%-3.9pp | 76.5%-8.0pp | 67.7%+0.9pp |
| Annual return | 31.17% | 18.89%+12.3pp | 29.46%+1.7pp | 35.66%-4.5pp |
| Employer contribution / active EE | $1,969 | $2,370-16.9% | $3,023-34.9% | $2,757-28.6% |
| Participant deferral / active EE | $3,811 | $4,121-7.5% | $5,055-24.6% | $4,299-11.4% |
| Admin fee / account holder | $1,219 | $8,047-84.9% | $9,462-87.1% | $6,924-82.4% |