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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 | $24,134 | $72,492-66.7% | $87,102-72.3% | $72,983-66.9% |
| Participation rate | 61.5% | 72.8%-11.3pp | 76.9%-15.3pp | 69.5%-7.9pp |
| Annual return | 29.75% | 24.46%+5.3pp | 28.19%+1.6pp | 81.01%-51.3pp |
| Employer contribution / active EE | $2,529 | $1,894+33.5% | $2,521+0.3% | $2,440+3.7% |
| Participant deferral / active EE | $6,179 | $3,270+89.0% | $4,048+52.6% | $3,608+71.3% |
| Admin fee / account holder | $957 | $5,055-81.1% | $7,491-87.2% | $5,124-81.3% |