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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 | $18,292 | $88,042-79.2% | $138,135-86.8% | $79,856-77.1% |
| Participation rate | 52.5% | 71.4%-18.9pp | 78.7%-26.2pp | 69.6%-17.1pp |
| Annual return | 27.98% | 20.58%+7.4pp | 20.51%+7.5pp | 31.71%-3.7pp |
| Employer contribution / active EE | $2,072 | $3,103-33.2% | $5,587-62.9% | $2,471-16.2% |
| Participant deferral / active EE | $2,282 | $4,704-51.5% | $6,431-64.5% | $3,741-39.0% |
| Admin fee / account holder | $1,393 | $7,791-82.1% | $11,856-88.3% | $5,306-73.8% |