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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 | $24,812 | $94,436-73.7% | $115,599-78.5% | $82,637-70.0% |
| Participation rate | 61.4% | 70.4%-9.0pp | 74.3%-12.9pp | 68.1%-6.7pp |
| Annual return | 23.04% | 18.37%+4.7pp | 111.10%-88.1pp | 53.51%-30.5pp |
| Employer contribution / active EE | $2,695 | $2,324+16.0% | $2,955-8.8% | $2,552+5.6% |
| Participant deferral / active EE | $4,952 | $3,955+25.2% | $4,889+1.3% | $4,126+20.0% |
| Admin fee / account holder | $668 | $10,328-93.5% | $12,841-94.8% | $7,339-90.9% |