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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 | $24,880 | $80,985-69.3% | $96,576-74.2% | $75,181-66.9% |
| Participation rate | 68.7% | 71.8%-3.1pp | 76.0%-7.3pp | 67.2%+1.5pp |
| Annual return | 19.21% | 27.05%-7.8pp | 25.87%-6.7pp | 160.69%-141.5pp |
| Employer contribution / active EE | $1,228 | $2,282-46.2% | $2,965-58.6% | $2,671-54.0% |
| Participant deferral / active EE | $3,979 | $3,929+1.3% | $4,851-18.0% | $4,126-3.6% |
| Admin fee / account holder | $3,006 | $6,719-55.3% | $8,253-63.6% | $5,650-46.8% |