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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 | $27,610 | $83,485-66.9% | $125,195-77.9% | $72,976-62.2% |
| Participation rate | 63.9% | 73.3%-9.4pp | 79.8%-15.8pp | 69.5%-5.6pp |
| Annual return | 21.22% | 25.77%-4.5pp | 43.79%-22.6pp | 81.02%-59.8pp |
| Employer contribution / active EE | $2,202 | $2,346-6.1% | $3,866-43.1% | $2,440-9.8% |
| Participant deferral / active EE | $3,361 | $3,586-6.3% | $4,937-31.9% | $3,608-6.8% |
| Admin fee / account holder | $6,820 | $5,518+23.6% | $9,704-29.7% | $5,124+33.1% |