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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 | $23,158 | $115,931-80.0% | $185,441-87.5% | $86,983-73.4% |
| Participation rate | 44.0% | 73.6%-29.6pp | 80.3%-36.3pp | 69.5%-25.5pp |
| Annual return | 22.34% | 21.47%+0.9pp | 20.16%+2.2pp | 25.83%-3.5pp |
| Employer contribution / active EE | $1,682 | $2,937-42.7% | $4,672-64.0% | $2,584-34.9% |
| Participant deferral / active EE | $2,838 | $4,551-37.6% | $6,152-53.9% | $4,194-32.3% |
| Admin fee / account holder | $2,262 | $10,687-78.8% | $17,890-87.4% | $7,856-71.2% |