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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 | $10,763 | $67,602-84.1% | $82,312-86.9% | $70,126-84.7% |
| Participation rate | 68.3% | 72.8%-4.5pp | 76.9%-8.6pp | 69.5%-1.2pp |
| Annual return | 14.84% | 21.57%-6.7pp | 25.88%-11.0pp | 73.15%-58.3pp |
| Employer contribution / active EE | $1,211 | $1,755-31.0% | $2,428-50.1% | $2,343-48.3% |
| Participant deferral / active EE | $1,867 | $2,987-37.5% | $3,706-49.6% | $3,332-44.0% |
| Admin fee / account holder | $2,679 | $4,512-40.6% | $5,608-52.2% | $4,645-42.3% |