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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 | $24,519 | $67,602-63.7% | $82,312-70.2% | $70,126-65.0% |
| Participation rate | 64.9% | 72.8%-7.9pp | 76.9%-12.0pp | 69.5%-4.7pp |
| Annual return | 23.08% | 21.57%+1.5pp | 25.88%-2.8pp | 73.15%-50.1pp |
| Employer contribution / active EE | $2,628 | $1,755+49.7% | $2,428+8.2% | $2,343+12.2% |
| Participant deferral / active EE | $4,942 | $2,987+65.4% | $3,706+33.4% | $3,332+48.3% |
| Admin fee / account holder | $1,569 | $4,512-65.2% | $5,608-72.0% | $4,645-66.2% |