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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 | $31,409 | $76,112-58.7% | $96,534-67.5% | $71,511-56.1% |
| Participation rate | 61.4% | 74.4%-13.0pp | 76.0%-14.6pp | 67.9%-6.5pp |
| Annual return | 24.83% | 22.81%+2.0pp | 25.88%-1.1pp | 28.86%-4.0pp |
| Employer contribution / active EE | $1,930 | $2,248-14.1% | $2,965-34.9% | $2,589-25.5% |
| Participant deferral / active EE | $2,774 | $4,217-34.2% | $4,851-42.8% | $4,291-35.3% |
| Admin fee / account holder | $648 | $2,708-76.1% | $8,253-92.1% | $1,588-59.2% |