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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 | $39,179 | $109,620-64.3% | $148,496-73.6% | $94,015-58.3% |
| Participation rate | 55.6% | 71.3%-15.7pp | 76.0%-20.5pp | 70.8%-15.3pp |
| Annual return | 18.15% | 17.54%+0.6pp | 12.33%+5.8pp | 17.84%+0.3pp |
| Employer contribution / active EE | $1,822 | $2,618-30.4% | $3,497-47.9% | $2,790-34.7% |
| Participant deferral / active EE | $2,800 | $3,831-26.9% | $4,808-41.8% | $4,249-34.1% |
| Admin fee / account holder | $2,016 | $10,050-79.9% | $19,547-89.7% | $8,951-77.5% |