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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 | $64,010-69.8% | $108,359-82.2% | $64,340-70.0% |
| Participation rate | 61.1% | 49.4%+11.7pp | 70.1%-9.1pp | 55.2%+5.8pp |
| Annual return | 21.54% | 19.74%+1.8pp | 36.89%-15.4pp | 24.14%-2.6pp |
| Employer contribution / active EE | $2,066 | $1,029+100.8% | $2,399-13.9% | $1,862+11.0% |
| Participant deferral / active EE | $3,082 | $2,395+28.7% | $4,137-25.5% | $2,980+3.4% |
| Admin fee / account holder | $2,651 | $4,885-45.7% | $9,741-72.8% | $3,703-28.4% |