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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 | $28,836 | $86,922-66.8% | $102,438-71.9% | $80,874-64.3% |
| Participation rate | 68.4% | 72.4%-4.0pp | 76.5%-8.1pp | 67.6%+0.7pp |
| Annual return | 11.04% | 18.90%-7.9pp | 29.37%-18.3pp | 35.62%-24.6pp |
| Employer contribution / active EE | $773 | $2,369-67.4% | $3,024-74.4% | $2,756-72.0% |
| Participant deferral / active EE | $3,811 | $4,119-7.5% | $5,054-24.6% | $4,297-11.3% |
| Admin fee / account holder | $2,787 | $8,050-65.4% | $9,448-70.5% | $6,935-59.8% |