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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 | $36,085 | $130,294-72.3% | $170,028-78.8% | $71,495-49.5% |
| Participation rate | 54.8% | 86.2%-31.3pp | 87.0%-32.2pp | 67.9%-13.1pp |
| Annual return | 25.55% | 20.36%+5.2pp | 53.39%-27.8pp | 28.85%-3.3pp |
| Employer contribution / active EE | $2,554 | $4,385-41.8% | $6,788-62.4% | $2,589-1.4% |
| Participant deferral / active EE | $5,531 | $6,928-20.2% | $10,409-46.9% | $4,291+28.9% |
| Admin fee / account holder | $1,469 | $966+52.0% | $12,820-88.5% | $1,588-7.5% |