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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 | $25,588 | $95,404-73.2% | $113,397-77.4% | $82,637-69.0% |
| Participation rate | 63.2% | 72.8%-9.6pp | 76.5%-13.3pp | 68.1%-4.8pp |
| Annual return | 16.54% | 19.08%-2.5pp | 23.20%-6.7pp | 53.51%-37.0pp |
| Employer contribution / active EE | $1,380 | $2,307-40.2% | $2,977-53.7% | $2,552-45.9% |
| Participant deferral / active EE | $3,200 | $4,220-24.2% | $5,076-37.0% | $4,126-22.5% |
| Admin fee / account holder | $550 | $9,168-94.0% | $11,957-95.4% | $7,339-92.5% |