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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 | $22,203 | $65,376-66.0% | $87,102-74.5% | $65,185-65.9% |
| Participation rate | 69.4% | 75.3%-5.9pp | 76.9%-7.4pp | 70.2%-0.8pp |
| Annual return | 21.60% | 31.27%-9.7pp | 28.19%-6.6pp | 29.38%-7.8pp |
| Employer contribution / active EE | $1,143 | $1,822-37.3% | $2,521-54.7% | $2,177-47.5% |
| Participant deferral / active EE | $2,085 | $3,388-38.5% | $4,048-48.5% | $3,514-40.7% |
| Admin fee / account holder | $1,299 | $520+149.9% | $7,491-82.7% | $847+53.3% |