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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 | $28,023 | $69,511-59.7% | $94,664-70.4% | $71,511-60.8% |
| Participation rate | 68.2% | 78.4%-10.2pp | 80.8%-12.6pp | 67.9%+0.2pp |
| Annual return | 17.12% | 29.67%-12.6pp | 156.84%-139.7pp | 28.86%-11.7pp |
| Employer contribution / active EE | $950 | $2,853-66.7% | $3,673-74.1% | $2,589-63.3% |
| Participant deferral / active EE | $3,588 | $7,348-51.2% | $7,417-51.6% | $4,291-16.4% |
| Admin fee / account holder | $4,093 | $1,211+238.1% | $7,222-43.3% | $1,588+157.7% |