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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 | $26,271 | $85,515-69.3% | $112,040-76.6% | $67,986-61.4% |
| Participation rate | 29.2% | 68.2%-39.0pp | 76.5%-47.3pp | 57.2%-28.0pp |
| Annual return | 29.37% | 29.68%-0.3pp | 24.52%+4.8pp | 31.67%-2.3pp |
| Employer contribution / active EE | $819 | $2,191-62.6% | $2,954-72.3% | $2,019-59.4% |
| Participant deferral / active EE | $2,081 | $4,014-48.2% | $5,098-59.2% | $3,358-38.0% |
| Admin fee / account holder | $1,483 | $3,774-60.7% | $12,098-87.7% | $3,203-53.7% |