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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 | $26,783 | $123,793-78.4% | $177,827-84.9% | $79,858-66.5% |
| Participation rate | 56.3% | 84.7%-28.4pp | 87.7%-31.5pp | 69.6%-13.4pp |
| Annual return | 30.54% | 22.82%+7.7pp | 48.32%-17.8pp | 31.72%-1.2pp |
| Employer contribution / active EE | $2,485 | $4,095-39.3% | $5,918-58.0% | $2,471+0.6% |
| Participant deferral / active EE | $3,751 | $5,956-37.0% | $7,713-51.4% | $3,740+0.3% |
| Admin fee / account holder | $990 | $7,243-86.3% | $12,429-92.0% | $5,306-81.3% |