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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 | $79,867-64.2% | $120,344-76.2% | $64,340-55.6% |
| Participation rate | 46.3% | 63.0%-16.7pp | 76.7%-30.4pp | 55.2%-9.0pp |
| Annual return | 30.54% | 21.10%+9.4pp | 20.30%+10.2pp | 24.14%+6.4pp |
| Employer contribution / active EE | $1,795 | $1,925-6.8% | $3,020-40.6% | $1,862-3.6% |
| Participant deferral / active EE | $3,566 | $3,593-0.7% | $5,135-30.5% | $2,980+19.7% |
| Admin fee / account holder | $2,109 | $5,039-58.2% | $12,742-83.5% | $3,703-43.0% |