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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 | $32,163 | $97,648-67.1% | $121,663-73.6% | $87,485-63.2% |
| Participation rate | 16.0% | 70.5%-54.5pp | 74.5%-58.5pp | 68.9%-52.9pp |
| Annual return | 21.37% | 18.03%+3.3pp | 147.54%-126.2pp | 26.06%-4.7pp |
| Employer contribution / active EE | $2,435 | $2,300+5.8% | $3,020-19.4% | $2,596-6.2% |
| Participant deferral / active EE | $5,753 | $3,923+46.6% | $4,887+17.7% | $4,274+34.6% |
| Admin fee / account holder | $672 | $11,100-93.9% | $14,289-95.3% | $7,775-91.4% |