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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 | $18,364 | $77,816-76.4% | $123,549-85.1% | $64,181-71.4% |
| Participation rate | 58.8% | 74.7%-15.9pp | 82.3%-23.5pp | 69.6%-10.7pp |
| Annual return | 15.68% | 12.49%+3.2pp | 119.20%-103.5pp | 7.63%+8.0pp |
| Employer contribution / active EE | $2,918 | $3,014-3.2% | $4,628-36.9% | $2,381+22.6% |
| Participant deferral / active EE | $3,208 | $5,240-38.8% | $6,426-50.1% | $3,470-7.5% |
| Admin fee / account holder | $456 | $5,519-91.7% | $9,284-95.1% | $4,887-90.7% |