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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 | $25,992 | $86,919-70.1% | $102,457-74.6% | $80,911-67.9% |
| Participation rate | 52.5% | 72.4%-19.9pp | 76.5%-24.0pp | 67.6%-15.1pp |
| Annual return | 17.64% | 18.90%-1.3pp | 29.41%-11.8pp | 35.63%-18.0pp |
| Employer contribution / active EE | $3,226 | $2,368+36.2% | $3,022+6.7% | $2,756+17.1% |
| Participant deferral / active EE | $3,363 | $4,119-18.4% | $5,054-33.5% | $4,297-21.7% |
| Admin fee / account holder | $1,818 | $8,049-77.4% | $9,451-80.8% | $6,935-73.8% |