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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 | $109,620-70.7% | $148,496-78.3% | $94,015-65.8% |
| Participation rate | 16.0% | 71.3%-55.3pp | 76.0%-60.0pp | 70.8%-54.8pp |
| Annual return | 21.37% | 17.54%+3.8pp | 12.33%+9.0pp | 17.84%+3.5pp |
| Employer contribution / active EE | $2,435 | $2,618-7.0% | $3,497-30.4% | $2,790-12.7% |
| Participant deferral / active EE | $5,753 | $3,831+50.2% | $4,808+19.6% | $4,249+35.4% |
| Admin fee / account holder | $672 | $10,050-93.3% | $19,547-96.6% | $8,951-92.5% |