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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 | $28,586 | $85,515-66.6% | $112,040-74.5% | $67,986-58.0% |
| Participation rate | 46.3% | 68.2%-21.9pp | 76.5%-30.2pp | 57.2%-10.9pp |
| Annual return | 30.54% | 29.68%+0.9pp | 24.52%+6.0pp | 31.67%-1.1pp |
| Employer contribution / active EE | $1,795 | $2,191-18.1% | $2,954-39.3% | $2,019-11.1% |
| Participant deferral / active EE | $3,566 | $4,014-11.2% | $5,098-30.0% | $3,358+6.2% |
| Admin fee / account holder | $2,109 | $3,774-44.1% | $12,098-82.6% | $3,203-34.2% |