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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 | $26,575 | $91,559-71.0% | $133,978-80.2% | $79,856-66.7% |
| Participation rate | 60.0% | 73.3%-13.3pp | 79.8%-19.8pp | 69.6%-9.6pp |
| Annual return | 24.32% | 61.85%-37.5pp | 45.10%-20.8pp | 31.71%-7.4pp |
| Employer contribution / active EE | $2,165 | $2,384-9.2% | $3,919-44.8% | $2,471-12.4% |
| Participant deferral / active EE | $3,766 | $3,734+0.9% | $5,047-25.4% | $3,741+0.7% |
| Admin fee / account holder | $418 | $6,321-93.4% | $8,930-95.3% | $5,306-92.1% |