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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 | $25,576 | $76,112-66.4% | $96,534-73.5% | $71,511-64.2% |
| Participation rate | 64.5% | 74.4%-9.9pp | 76.0%-11.5pp | 67.9%-3.4pp |
| Annual return | 18.61% | 22.81%-4.2pp | 25.88%-7.3pp | 28.86%-10.2pp |
| Employer contribution / active EE | $2,490 | $2,248+10.7% | $2,965-16.0% | $2,589-3.8% |
| Participant deferral / active EE | $3,094 | $4,217-26.6% | $4,851-36.2% | $4,291-27.9% |
| Admin fee / account holder | $8,009 | $2,708+195.7% | $8,253-3.0% | $1,588+404.2% |