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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 | $24,061 | $69,383-65.3% | $101,275-76.2% | $73,497-67.3% |
| Participation rate | 62.0% | 68.4%-6.4pp | 75.8%-13.8pp | 70.7%-8.7pp |
| Annual return | 19.33% | 18.46%+0.9pp | 46.48%-27.2pp | 28.51%-9.2pp |
| Employer contribution / active EE | $1,473 | $2,628-44.0% | $3,660-59.8% | $2,270-35.1% |
| Participant deferral / active EE | $3,180 | $3,301-3.7% | $4,371-27.2% | $3,740-15.0% |
| Admin fee / account holder | $570 | $704-19.0% | $5,948-90.4% | $513+11.1% |