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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 | $7,100 | $43,075-83.5% | $74,577-90.5% | $62,881-88.7% |
| Participation rate | 69.0% | 58.1%+10.9pp | 68.1%+0.9pp | 69.3%-0.3pp |
| Annual return | 24.71% | 17.50%+7.2pp | 20.47%+4.2pp | 20.14%+4.6pp |
| Employer contribution / active EE | $2,052 | $1,498+37.0% | $2,525-18.7% | $2,281-10.0% |
| Participant deferral / active EE | $2,309 | $2,389-3.4% | $3,458-33.2% | $3,203-27.9% |
| Admin fee / account holder | $476 | $2,840-83.2% | $4,138-88.5% | $4,296-88.9% |