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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 | $28,002 | $86,922-67.8% | $102,438-72.7% | $80,874-65.4% |
| Participation rate | 60.6% | 72.4%-11.8pp | 76.5%-15.9pp | 67.6%-7.0pp |
| Annual return | 12.72% | 18.90%-6.2pp | 29.37%-16.6pp | 35.62%-22.9pp |
| Employer contribution / active EE | $1,579 | $2,369-33.4% | $3,024-47.8% | $2,756-42.7% |
| Participant deferral / active EE | $3,936 | $4,119-4.4% | $5,054-22.1% | $4,297-8.4% |
| Admin fee / account holder | $498 | $8,050-93.8% | $9,448-94.7% | $6,935-92.8% |