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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 | $17,982 | $81,504-77.9% | $102,437-82.4% | $80,959-77.8% |
| Participation rate | 67.5% | 66.9%+0.6pp | 74.5%-7.0pp | 67.7%-0.2pp |
| Annual return | 35.48% | 25.60%+9.9pp | 24.95%+10.5pp | 35.67%-0.2pp |
| Employer contribution / active EE | $2,114 | $3,104-31.9% | $3,871-45.4% | $2,757-23.3% |
| Participant deferral / active EE | $3,353 | $3,871-13.4% | $5,060-33.7% | $4,300-22.0% |
| Admin fee / account holder | $1,915 | $6,719-71.5% | $8,388-77.2% | $6,925-72.4% |