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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 | $23,984 | $136,860-82.5% | $120,344-80.1% | $154,746-84.5% |
| Participation rate | 68.4% | 79.9%-11.5pp | 76.7%-8.3pp | 80.7%-12.3pp |
| Annual return | 24.21% | 21.38%+2.8pp | 20.30%+3.9pp | 172.34%-148.1pp |
| Employer contribution / active EE | $2,585 | $3,533-26.8% | $3,020-14.4% | $4,379-41.0% |
| Participant deferral / active EE | $4,629 | $5,793-20.1% | $5,135-9.8% | $6,730-31.2% |
| Admin fee / account holder | $819 | $15,393-94.7% | $12,742-93.6% | $14,365-94.3% |