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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 | $18,528 | $83,485-77.8% | $125,195-85.2% | $72,976-74.6% |
| Participation rate | 68.6% | 73.3%-4.7pp | 79.8%-11.2pp | 69.5%-0.9pp |
| Annual return | 18.90% | 25.77%-6.9pp | 43.79%-24.9pp | 81.02%-62.1pp |
| Employer contribution / active EE | $1,905 | $2,346-18.8% | $3,866-50.7% | $2,440-21.9% |
| Participant deferral / active EE | $5,876 | $3,586+63.9% | $4,937+19.0% | $3,608+62.9% |
| Admin fee / account holder | $5,526 | $5,518+0.2% | $9,704-43.1% | $5,124+7.9% |