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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 | $31,927 | $97,550-67.3% | $120,344-73.5% | $87,485-63.5% |
| Participation rate | 66.2% | 72.8%-6.6pp | 76.7%-10.5pp | 68.9%-2.8pp |
| Annual return | 16.64% | 18.41%-1.8pp | 20.30%-3.7pp | 26.06%-9.4pp |
| Employer contribution / active EE | $2,873 | $2,291+25.4% | $3,020-4.9% | $2,596+10.7% |
| Participant deferral / active EE | $5,537 | $4,230+30.9% | $5,135+7.8% | $4,274+29.6% |
| Admin fee / account holder | $10,351 | $9,543+8.5% | $12,742-18.8% | $7,775+33.1% |