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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 | $27,282 | $91,424-70.2% | $135,942-79.9% | $71,495-61.8% |
| Participation rate | 61.9% | 75.7%-13.7pp | 81.9%-20.0pp | 67.9%-6.0pp |
| Annual return | 59.99% | 29.90%+30.1pp | 68.28%-8.3pp | 28.85%+31.1pp |
| Employer contribution / active EE | $2,433 | $3,704-34.3% | $4,858-49.9% | $2,589-6.1% |
| Participant deferral / active EE | $5,095 | $7,092-28.2% | $7,759-34.3% | $4,291+18.7% |
| Admin fee / account holder | $1,381 | $1,266+9.0% | $10,764-87.2% | $1,588-13.0% |