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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 | $13,408 | $124,425-89.2% | $112,040-88.0% | $137,256-90.2% |
| Participation rate | 69.2% | 79.3%-10.1pp | 76.5%-7.3pp | 80.0%-10.7pp |
| Annual return | 18.71% | 24.72%-6.0pp | 24.52%-5.8pp | 220.34%-201.6pp |
| Employer contribution / active EE | $1,622 | $3,411-52.5% | $2,954-45.1% | $4,156-61.0% |
| Participant deferral / active EE | $4,350 | $5,718-23.9% | $5,098-14.7% | $6,407-32.1% |
| Admin fee / account holder | $8,534 | $15,207-43.9% | $12,098-29.5% | $12,270-30.4% |