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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 | $30,154 | $115,931-74.0% | $185,441-83.7% | $86,983-65.3% |
| Participation rate | 68.0% | 73.6%-5.6pp | 80.3%-12.3pp | 69.5%-1.5pp |
| Annual return | 19.31% | 21.47%-2.2pp | 20.16%-0.9pp | 25.83%-6.5pp |
| Employer contribution / active EE | $4,100 | $2,937+39.6% | $4,672-12.3% | $2,584+58.6% |
| Participant deferral / active EE | $7,578 | $4,551+66.5% | $6,152+23.2% | $4,194+80.7% |
| Admin fee / account holder | $1,711 | $10,687-84.0% | $17,890-90.4% | $7,856-78.2% |