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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 | $29,582 | $108,825-72.8% | $156,181-81.1% | $82,448-64.1% |
| Participation rate | 68.9% | 72.4%-3.5pp | 78.8%-10.0pp | 68.1%+0.8pp |
| Annual return | 27.15% | 20.59%+6.6pp | 64.87%-37.7pp | 41.64%-14.5pp |
| Employer contribution / active EE | $2,028 | $2,870-29.3% | $4,294-52.8% | $2,551-20.5% |
| Participant deferral / active EE | $3,008 | $4,577-34.3% | $6,132-51.0% | $4,139-27.3% |
| Admin fee / account holder | $890 | $9,341-90.5% | $14,586-93.9% | $7,234-87.7% |