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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 | $10,430 | $56,054-81.4% | $171,082-93.9% | $62,881-83.4% |
| Participation rate | 46.2% | 62.9%-16.7pp | 76.7%-30.5pp | 69.3%-23.2pp |
| Annual return | 25.18% | 22.52%+2.7pp | 32.56%-7.4pp | 20.14%+5.0pp |
| Employer contribution / active EE | $1,134 | $1,731-34.5% | $4,002-71.7% | $2,281-50.3% |
| Participant deferral / active EE | $1,796 | $3,158-43.1% | $4,797-62.6% | $3,203-43.9% |
| Admin fee / account holder | $303 | $3,647-91.7% | $8,520-96.4% | $4,296-92.9% |