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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 | $23,122 | $95,404-75.8% | $113,397-79.6% | $82,637-72.0% |
| Participation rate | 38.2% | 72.8%-34.6pp | 76.5%-38.3pp | 68.1%-29.8pp |
| Annual return | 20.95% | 19.08%+1.9pp | 23.20%-2.2pp | 53.51%-32.6pp |
| Employer contribution / active EE | $1,474 | $2,307-36.1% | $2,977-50.5% | $2,552-42.2% |
| Participant deferral / active EE | $2,123 | $4,220-49.7% | $5,076-58.2% | $4,126-48.5% |
| Admin fee / account holder | $1,844 | $9,168-79.9% | $11,957-84.6% | $7,339-74.9% |