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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 | $95,453-73.3% | $112,040-77.2% | $82,448-69.1% |
| Participation rate | 65.9% | 72.8%-6.8pp | 76.5%-10.6pp | 68.1%-2.2pp |
| Annual return | 12.59% | 23.92%-11.3pp | 24.52%-11.9pp | 41.64%-29.0pp |
| Employer contribution / active EE | $1,830 | $2,318-21.0% | $2,954-38.0% | $2,551-28.3% |
| Participant deferral / active EE | $2,646 | $4,224-37.4% | $5,098-48.1% | $4,139-36.1% |
| Admin fee / account holder | $3,871 | $9,013-57.1% | $12,098-68.0% | $7,234-46.5% |