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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 | $114,712-74.2% | $173,730-83.0% | $87,485-66.2% |
| Participation rate | 68.9% | 73.0%-4.1pp | 79.6%-10.7pp | 68.9%-0.1pp |
| Annual return | 27.15% | 20.18%+7.0pp | 19.96%+7.2pp | 26.06%+1.1pp |
| Employer contribution / active EE | $2,028 | $2,904-30.2% | $4,577-55.7% | $2,596-21.9% |
| Participant deferral / active EE | $3,008 | $4,642-35.2% | $6,326-52.5% | $4,274-29.6% |
| Admin fee / account holder | $890 | $10,210-91.3% | $17,523-94.9% | $7,775-88.5% |