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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 | $28,992 | $86,949-66.7% | $102,460-71.7% | $80,959-64.2% |
| Participation rate | 60.7% | 72.4%-11.7pp | 76.5%-15.8pp | 67.7%-7.0pp |
| Annual return | 17.87% | 18.89%-1.0pp | 29.47%-11.6pp | 35.67%-17.8pp |
| Employer contribution / active EE | $3,066 | $2,370+29.4% | $3,025+1.3% | $2,757+11.2% |
| Participant deferral / active EE | $3,418 | $4,121-17.1% | $5,056-32.4% | $4,300-20.5% |
| Admin fee / account holder | $1,117 | $8,048-86.1% | $9,460-88.2% | $6,925-83.9% |