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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 | $28,119 | $97,550-71.2% | $120,344-76.6% | $87,485-67.9% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.7%-10.0pp | 68.9%-2.3pp |
| Annual return | 17.84% | 18.41%-0.6pp | 20.30%-2.5pp | 26.06%-8.2pp |
| Employer contribution / active EE | $4,412 | $2,291+92.6% | $3,020+46.1% | $2,596+69.9% |
| Participant deferral / active EE | $4,564 | $4,230+7.9% | $5,135-11.1% | $4,274+6.8% |
| Admin fee / account holder | $8,824 | $9,543-7.5% | $12,742-30.7% | $7,775+13.5% |