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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 | $32,982 | $77,569-57.5% | $115,599-71.5% | $64,097-48.5% |
| Participation rate | 30.0% | 60.7%-30.7pp | 74.3%-44.3pp | 55.2%-25.2pp |
| Annual return | 20.28% | 18.52%+1.8pp | 111.10%-90.8pp | 34.64%-14.4pp |
| Employer contribution / active EE | $990 | $1,915-48.3% | $2,955-66.5% | $1,891-47.7% |
| Participant deferral / active EE | $1,546 | $3,327-53.5% | $4,889-68.4% | $3,080-49.8% |
| Admin fee / account holder | $3,229 | $4,470-27.8% | $12,841-74.9% | $3,454-6.5% |