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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 | $95,453-66.6% | $112,040-71.5% | $82,448-61.3% |
| Participation rate | 66.2% | 72.8%-6.6pp | 76.5%-10.3pp | 68.1%-1.9pp |
| Annual return | 16.64% | 23.92%-7.3pp | 24.52%-7.9pp | 41.64%-25.0pp |
| Employer contribution / active EE | $2,873 | $2,318+23.9% | $2,954-2.7% | $2,551+12.6% |
| Participant deferral / active EE | $5,537 | $4,224+31.1% | $5,098+8.6% | $4,139+33.8% |
| Admin fee / account holder | $10,351 | $9,013+14.8% | $12,098-14.4% | $7,234+43.1% |