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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 | $40,353 | $128,603-68.6% | $197,124-79.5% | $67,986-40.6% |
| Participation rate | 69.8% | 81.7%-11.9pp | 86.7%-16.9pp | 57.2%+12.6pp |
| Annual return | 32.41% | 23.77%+8.6pp | 44.34%-11.9pp | 31.67%+0.7pp |
| Employer contribution / active EE | $2,447 | $4,379-44.1% | $6,227-60.7% | $2,019+21.2% |
| Participant deferral / active EE | $4,437 | $6,840-35.1% | $9,135-51.4% | $3,358+32.1% |
| Admin fee / account holder | $1,670 | $3,035-45.0% | $16,298-89.8% | $3,203-47.9% |