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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 | $25,495 | $97,550-73.9% | $120,344-78.8% | $87,485-70.9% |
| Participation rate | 65.9% | 72.8%-6.9pp | 76.7%-10.8pp | 68.9%-3.0pp |
| Annual return | 12.59% | 18.41%-5.8pp | 20.30%-7.7pp | 26.06%-13.5pp |
| Employer contribution / active EE | $1,830 | $2,291-20.1% | $3,020-39.4% | $2,596-29.5% |
| Participant deferral / active EE | $2,646 | $4,230-37.4% | $5,135-48.5% | $4,274-38.1% |
| Admin fee / account holder | $3,871 | $9,543-59.4% | $12,742-69.6% | $7,775-50.2% |