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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 | $36,704 | $100,194-63.4% | $122,979-70.2% | $86,983-57.8% |
| Participation rate | 57.4% | 73.0%-15.6pp | 77.2%-19.8pp | 69.5%-12.2pp |
| Annual return | 21.54% | 16.47%+5.1pp | 20.12%+1.4pp | 25.83%-4.3pp |
| Employer contribution / active EE | $2,043 | $2,326-12.1% | $3,062-33.3% | $2,584-20.9% |
| Participant deferral / active EE | $3,259 | $4,133-21.2% | $5,003-34.9% | $4,194-22.3% |
| Admin fee / account holder | $372 | $10,148-96.3% | $12,864-97.1% | $7,856-95.3% |