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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 | $20,586 | $67,595-69.5% | $186,193-88.9% | $64,340-68.0% |
| Participation rate | 52.3% | 51.9%+0.4pp | 77.1%-24.8pp | 55.2%-2.9pp |
| Annual return | 16.47% | 17.46%-1.0pp | 78.03%-61.6pp | 24.14%-7.7pp |
| Employer contribution / active EE | $1,411 | $1,513-6.7% | $3,918-64.0% | $1,862-24.2% |
| Participant deferral / active EE | $2,315 | $3,023-23.4% | $6,513-64.5% | $2,980-22.3% |
| Admin fee / account holder | $6,189 | $5,311+16.5% | $11,058-44.0% | $3,703+67.1% |