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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 | $22,578 | $87,465-74.2% | $122,979-81.6% | $65,306-65.4% |
| Participation rate | 63.0% | 66.0%-3.0pp | 77.2%-14.2pp | 57.7%+5.3pp |
| Annual return | 11.13% | 19.76%-8.6pp | 20.12%-9.0pp | 21.94%-10.8pp |
| Employer contribution / active EE | $1,748 | $2,156-18.9% | $3,062-42.9% | $1,967-11.1% |
| Participant deferral / active EE | $3,381 | $3,705-8.7% | $5,003-32.4% | $2,959+14.3% |
| Admin fee / account holder | $8,192 | $5,100+60.6% | $12,864-36.3% | $3,480+135.4% |