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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 | $38,468 | $123,478-68.8% | $216,567-82.2% | $94,015-59.1% |
| Participation rate | 65.6% | 75.1%-9.5pp | 81.6%-16.0pp | 70.8%-5.2pp |
| Annual return | 23.30% | 23.61%-0.3pp | 12.94%+10.4pp | 17.84%+5.5pp |
| Employer contribution / active EE | $2,251 | $3,136-28.2% | $5,216-56.8% | $2,790-19.3% |
| Participant deferral / active EE | $3,863 | $4,556-15.2% | $6,191-37.6% | $4,249-9.1% |
| Admin fee / account holder | $6,236 | $12,753-51.1% | $21,981-71.6% | $8,951-30.3% |