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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 | $26,114 | $86,940-70.0% | $102,434-74.5% | $80,935-67.7% |
| Participation rate | 27.8% | 72.4%-44.6pp | 76.5%-48.7pp | 67.7%-39.8pp |
| Annual return | 18.96% | 18.89%+0.1pp | 29.46%-10.5pp | 35.66%-16.7pp |
| Employer contribution / active EE | $1,178 | $2,370-50.3% | $3,023-61.0% | $2,757-57.3% |
| Participant deferral / active EE | $2,651 | $4,121-35.7% | $5,055-47.5% | $4,299-38.3% |
| Admin fee / account holder | $5,561 | $8,047-30.9% | $9,462-41.2% | $6,924-19.7% |