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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 | $22,907 | $85,515-73.2% | $112,040-79.6% | $67,986-66.3% |
| Participation rate | 52.8% | 68.2%-15.4pp | 76.5%-23.7pp | 57.2%-4.4pp |
| Annual return | 40.69% | 29.68%+11.0pp | 24.52%+16.2pp | 31.67%+9.0pp |
| Employer contribution / active EE | $1,377 | $2,191-37.2% | $2,954-53.4% | $2,019-31.8% |
| Participant deferral / active EE | $2,281 | $4,014-43.2% | $5,098-55.3% | $3,358-32.1% |
| Admin fee / account holder | $1,996 | $3,774-47.1% | $12,098-83.5% | $3,203-37.7% |