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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 | $20,540 | $72,272-71.6% | $101,264-79.7% | $79,858-74.3% |
| Participation rate | 57.7% | 68.5%-10.8pp | 75.8%-18.1pp | 69.6%-11.9pp |
| Annual return | 29.05% | 22.30%+6.8pp | 46.48%-17.4pp | 31.72%-2.7pp |
| Employer contribution / active EE | $2,590 | $2,692-3.8% | $3,660-29.2% | $2,471+4.8% |
| Participant deferral / active EE | $3,845 | $3,282+17.2% | $4,370-12.0% | $3,740+2.8% |
| Admin fee / account holder | $9,276 | $4,401+110.8% | $5,947+56.0% | $5,306+74.8% |