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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 | $34,041 | $114,712-70.3% | $173,730-80.4% | $87,485-61.1% |
| Participation rate | 51.2% | 73.0%-21.8pp | 79.6%-28.4pp | 68.9%-17.8pp |
| Annual return | 13.50% | 20.18%-6.7pp | 19.96%-6.5pp | 26.06%-12.6pp |
| Employer contribution / active EE | $2,110 | $2,904-27.3% | $4,577-53.9% | $2,596-18.7% |
| Participant deferral / active EE | $5,128 | $4,642+10.5% | $6,326-18.9% | $4,274+20.0% |
| Admin fee / account holder | $10,547 | $10,210+3.3% | $17,523-39.8% | $7,775+35.7% |