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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 | $31,679 | $95,453-66.8% | $112,040-71.7% | $82,448-61.6% |
| Participation rate | 56.3% | 72.8%-16.5pp | 76.5%-20.2pp | 68.1%-11.8pp |
| Annual return | 20.05% | 23.92%-3.9pp | 24.52%-4.5pp | 41.64%-21.6pp |
| Employer contribution / active EE | $2,166 | $2,318-6.5% | $2,954-26.7% | $2,551-15.1% |
| Participant deferral / active EE | $4,276 | $4,224+1.2% | $5,098-16.1% | $4,139+3.3% |
| Admin fee / account holder | $736 | $9,013-91.8% | $12,098-93.9% | $7,234-89.8% |