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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 | $25,648 | $86,949-70.5% | $102,460-75.0% | $80,959-68.3% |
| Participation rate | 60.5% | 72.4%-11.9pp | 76.5%-16.0pp | 67.7%-7.2pp |
| Annual return | 11.20% | 18.89%-7.7pp | 29.47%-18.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,587 | $2,370-33.0% | $3,025-47.6% | $2,757-42.5% |
| Participant deferral / active EE | $2,330 | $4,121-43.5% | $5,056-53.9% | $4,300-45.8% |
| Admin fee / account holder | $2,387 | $8,048-70.3% | $9,460-74.8% | $6,925-65.5% |