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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 | $22,392 | $76,367-70.7% | $93,614-76.1% | $72,983-69.3% |
| Participation rate | 69.0% | 71.7%-2.8pp | 75.8%-6.9pp | 69.5%-0.5pp |
| Annual return | 28.49% | 25.82%+2.7pp | 32.76%-4.3pp | 81.01%-52.5pp |
| Employer contribution / active EE | $1,830 | $2,275-19.6% | $2,718-32.7% | $2,440-25.0% |
| Participant deferral / active EE | $3,580 | $3,538+1.2% | $4,069-12.0% | $3,608-0.8% |
| Admin fee / account holder | $2,809 | $6,838-58.9% | $7,889-64.4% | $5,124-45.2% |