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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 | $81,334-71.8% | $113,397-79.8% | $64,097-64.3% |
| Participation rate | 52.8% | 65.6%-12.8pp | 76.5%-23.7pp | 55.2%-2.4pp |
| Annual return | 40.69% | 32.50%+8.2pp | 23.20%+17.5pp | 34.64%+6.0pp |
| Employer contribution / active EE | $1,377 | $2,077-33.7% | $2,977-53.7% | $1,891-27.2% |
| Participant deferral / active EE | $2,281 | $3,795-39.9% | $5,076-55.1% | $3,080-25.9% |
| Admin fee / account holder | $1,996 | $4,208-52.6% | $11,957-83.3% | $3,454-42.2% |