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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 | $11,851 | $56,544-79.0% | $75,501-84.3% | $70,126-83.1% |
| Participation rate | 56.1% | 68.1%-12.0pp | 72.4%-16.3pp | 69.5%-13.4pp |
| Annual return | 18.99% | 23.59%-4.6pp | 27.35%-8.4pp | 73.15%-54.2pp |
| Employer contribution / active EE | $1,233 | $1,817-32.1% | $2,352-47.6% | $2,343-47.4% |
| Participant deferral / active EE | $2,060 | $2,580-20.1% | $3,142-34.4% | $3,332-38.2% |
| Admin fee / account holder | $1,558 | $3,827-59.3% | $5,801-73.1% | $4,645-66.5% |