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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 | $22,355 | $80,985-72.4% | $96,576-76.9% | $75,181-70.3% |
| Participation rate | 68.6% | 71.8%-3.2pp | 76.0%-7.3pp | 67.2%+1.4pp |
| Annual return | 17.84% | 27.05%-9.2pp | 25.87%-8.0pp | 160.69%-142.8pp |
| Employer contribution / active EE | $1,833 | $2,282-19.7% | $2,965-38.2% | $2,671-31.4% |
| Participant deferral / active EE | $2,135 | $3,929-45.7% | $4,851-56.0% | $4,126-48.2% |
| Admin fee / account holder | $1,308 | $6,719-80.5% | $8,253-84.2% | $5,650-76.9% |