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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 | $22,424 | $69,977-68.0% | $108,582-79.3% | $62,881-64.3% |
| Participation rate | 66.7% | 72.9%-6.2pp | 79.6%-12.9pp | 69.3%-2.6pp |
| Annual return | 12.38% | 10.73%+1.7pp | -51.70%+64.1pp | 20.14%-7.8pp |
| Employer contribution / active EE | $2,471 | $2,135+15.7% | $3,758-34.3% | $2,281+8.3% |
| Participant deferral / active EE | $5,999 | $3,165+89.6% | $4,311+39.2% | $3,203+87.3% |
| Admin fee / account holder | $2,322 | $5,076-54.3% | $7,645-69.6% | $4,296-46.0% |