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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 | $21,641 | $79,955-72.9% | $98,461-78.0% | $75,173-71.2% |
| Participation rate | 52.0% | 70.4%-18.4pp | 75.2%-23.2pp | 67.2%-15.2pp |
| Annual return | 20.94% | 19.75%+1.2pp | 21.17%-0.2pp | 160.72%-139.8pp |
| Employer contribution / active EE | $1,945 | $2,264-14.1% | $3,049-36.2% | $2,671-27.2% |
| Participant deferral / active EE | $3,261 | $3,752-13.1% | $4,738-31.2% | $4,126-21.0% |
| Admin fee / account holder | $5,751 | $6,841-15.9% | $8,961-35.8% | $5,651+1.8% |