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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 | $20,104 | $91,120-77.9% | $161,149-87.5% | $64,097-68.6% |
| Participation rate | 51.4% | 62.2%-10.8pp | 78.8%-27.5pp | 55.2%-3.8pp |
| Annual return | 26.73% | 17.95%+8.8pp | 21.16%+5.6pp | 34.64%-7.9pp |
| Employer contribution / active EE | $1,665 | $2,284-27.1% | $4,360-61.8% | $1,891-12.0% |
| Participant deferral / active EE | $2,680 | $3,708-27.7% | $6,153-56.4% | $3,080-13.0% |
| Admin fee / account holder | $2,024 | $4,535-55.4% | $15,194-86.7% | $3,454-41.4% |