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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 | $34,300 | $128,603-73.3% | $197,124-82.6% | $67,986-49.5% |
| Participation rate | 66.4% | 81.7%-15.2pp | 86.7%-20.3pp | 57.2%+9.2pp |
| Annual return | 14.63% | 23.77%-9.1pp | 44.34%-29.7pp | 31.67%-17.0pp |
| Employer contribution / active EE | $2,369 | $4,379-45.9% | $6,227-62.0% | $2,019+17.3% |
| Participant deferral / active EE | $4,554 | $6,840-33.4% | $9,135-50.1% | $3,358+35.6% |
| Admin fee / account holder | $2,063 | $3,035-32.0% | $16,298-87.3% | $3,203-35.6% |