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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 | $19,139 | $68,852-72.2% | $120,524-84.1% | $80,925-76.3% |
| Participation rate | 65.2% | 61.6%+3.5pp | 71.9%-6.8pp | 67.7%-2.5pp |
| Annual return | 21.92% | 23.67%-1.8pp | 107.36%-85.4pp | 35.65%-13.7pp |
| Employer contribution / active EE | $1,597 | $2,063-22.6% | $3,469-54.0% | $2,756-42.1% |
| Participant deferral / active EE | $3,881 | $3,187+21.8% | $4,994-22.3% | $4,299-9.7% |
| Admin fee / account holder | $1,580 | $5,781-72.7% | $9,440-83.3% | $6,940-77.2% |