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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 | $27,156 | $95,404-71.5% | $113,397-76.1% | $82,637-67.1% |
| Participation rate | 67.3% | 72.8%-5.5pp | 76.5%-9.1pp | 68.1%-0.7pp |
| Annual return | 15.32% | 19.08%-3.8pp | 23.20%-7.9pp | 53.51%-38.2pp |
| Employer contribution / active EE | $1,218 | $2,307-47.2% | $2,977-59.1% | $2,552-52.3% |
| Participant deferral / active EE | $2,588 | $4,220-38.7% | $5,076-49.0% | $4,126-37.3% |
| Admin fee / account holder | $1,452 | $9,168-84.2% | $11,957-87.9% | $7,339-80.2% |