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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 | $22,360 | $106,749-79.1% | $145,433-84.6% | $82,448-72.9% |
| Participation rate | 69.7% | 75.6%-6.0pp | 82.1%-12.4pp | 68.1%+1.6pp |
| Annual return | 19.85% | 27.59%-7.7pp | 66.58%-46.7pp | 41.64%-21.8pp |
| Employer contribution / active EE | $1,951 | $3,444-43.4% | $4,554-57.2% | $2,551-23.5% |
| Participant deferral / active EE | $3,552 | $6,519-45.5% | $7,897-55.0% | $4,139-14.2% |
| Admin fee / account holder | $553 | $8,390-93.4% | $13,129-95.8% | $7,234-92.4% |