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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 | $27,010 | $101,795-73.5% | $165,100-83.6% | $80,959-66.6% |
| Participation rate | 64.5% | 71.8%-7.3pp | 78.6%-14.1pp | 67.7%-3.2pp |
| Annual return | 33.55% | 16.73%+16.8pp | 70.21%-36.7pp | 35.67%-2.1pp |
| Employer contribution / active EE | $3,461 | $2,954+17.2% | $4,348-20.4% | $2,757+25.5% |
| Participant deferral / active EE | $5,376 | $4,476+20.1% | $6,035-10.9% | $4,300+25.0% |
| Admin fee / account holder | $1,575 | $8,221-80.8% | $12,696-87.6% | $6,925-77.3% |