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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 | $27,852 | $86,940-68.0% | $102,434-72.8% | $80,935-65.6% |
| Participation rate | 39.3% | 72.4%-33.1pp | 76.5%-37.2pp | 67.7%-28.4pp |
| Annual return | 16.49% | 18.89%-2.4pp | 29.46%-13.0pp | 35.66%-19.2pp |
| Employer contribution / active EE | $2,077 | $2,370-12.3% | $3,023-31.3% | $2,757-24.7% |
| Participant deferral / active EE | $2,912 | $4,121-29.3% | $5,055-42.4% | $4,299-32.3% |
| Admin fee / account holder | $916 | $8,047-88.6% | $9,462-90.3% | $6,924-86.8% |