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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 | $19,328 | $65,246-70.4% | $98,716-80.4% | $67,986-71.6% |
| Participation rate | 61.1% | 51.4%+9.6pp | 69.3%-8.2pp | 57.2%+3.9pp |
| Annual return | 21.54% | 20.58%+1.0pp | 31.81%-10.3pp | 31.67%-10.1pp |
| Employer contribution / active EE | $2,066 | $1,042+98.2% | $2,279-9.3% | $2,019+2.3% |
| Participant deferral / active EE | $3,082 | $2,594+18.8% | $4,048-23.9% | $3,358-8.2% |
| Admin fee / account holder | $2,651 | $4,561-41.9% | $8,703-69.5% | $3,203-17.2% |