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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 | $11,612 | $66,764-82.6% | $88,497-86.9% | $62,881-81.5% |
| Participation rate | 64.0% | 77.3%-13.3pp | 82.4%-18.4pp | 69.3%-5.3pp |
| Annual return | 12.47% | 10.37%+2.1pp | 7.63%+4.8pp | 20.14%-7.7pp |
| Employer contribution / active EE | $1,460 | $3,077-52.5% | $4,036-63.8% | $2,281-36.0% |
| Participant deferral / active EE | $2,044 | $3,976-48.6% | $4,899-58.3% | $3,203-36.2% |
| Admin fee / account holder | $2,292 | $4,668-50.9% | $6,220-63.1% | $4,296-46.6% |