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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 | $94,031-73.6% | $115,768-78.6% | $82,448-69.9% |
| Participation rate | 61.4% | 70.4%-9.0pp | 74.4%-13.0pp | 68.1%-6.7pp |
| Annual return | 23.04% | 20.61%+2.4pp | 100.46%-77.4pp | 41.64%-18.6pp |
| Employer contribution / active EE | $2,695 | $2,323+16.0% | $2,940-8.3% | $2,551+5.6% |
| Participant deferral / active EE | $4,952 | $3,972+24.7% | $4,917+0.7% | $4,139+19.6% |
| Admin fee / account holder | $668 | $10,249-93.5% | $12,439-94.6% | $7,234-90.8% |