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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 | $10,982 | $80,992-86.4% | $96,534-88.6% | $75,173-85.4% |
| Participation rate | 68.0% | 71.8%-3.8pp | 76.0%-8.0pp | 67.2%+0.8pp |
| Annual return | 13.08% | 27.05%-14.0pp | 25.88%-12.8pp | 160.72%-147.6pp |
| Employer contribution / active EE | $1,099 | $2,283-51.9% | $2,965-62.9% | $2,671-58.9% |
| Participant deferral / active EE | $2,200 | $3,929-44.0% | $4,851-54.7% | $4,126-46.7% |
| Admin fee / account holder | $570 | $6,717-91.5% | $8,253-93.1% | $5,651-89.9% |