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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 | $26,586 | $100,003-73.4% | $146,685-81.9% | $85,856-69.0% |
| Participation rate | 66.7% | 73.1%-6.4pp | 80.1%-13.4pp | 69.3%-2.7pp |
| Annual return | 15.56% | 18.93%-3.4pp | 22.75%-7.2pp | 318.58%-303.0pp |
| Employer contribution / active EE | $1,330 | $2,559-48.0% | $4,137-67.9% | $2,565-48.2% |
| Participant deferral / active EE | $3,444 | $4,006-14.0% | $5,507-37.5% | $3,952-12.9% |
| Admin fee / account holder | $5,054 | $7,704-34.4% | $10,281-50.8% | $6,261-19.3% |