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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 | $22,503 | $106,749-78.9% | $145,433-84.5% | $82,448-72.7% |
| Participation rate | 64.4% | 75.6%-11.2pp | 82.1%-17.7pp | 68.1%-3.7pp |
| Annual return | 29.32% | 27.59%+1.7pp | 66.58%-37.3pp | 41.64%-12.3pp |
| Employer contribution / active EE | $890 | $3,444-74.2% | $4,554-80.5% | $2,551-65.1% |
| Participant deferral / active EE | $2,516 | $6,519-61.4% | $7,897-68.1% | $4,139-39.2% |
| Admin fee / account holder | $2,038 | $8,390-75.7% | $13,129-84.5% | $7,234-71.8% |