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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 | $17,003 | $87,834-80.6% | $133,975-87.3% | $62,881-73.0% |
| Participation rate | 65.7% | 83.4%-17.7pp | 87.1%-21.4pp | 69.3%-3.6pp |
| Annual return | 7.75% | 12.05%-4.3pp | 29.29%-21.5pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,672 | $3,482-52.0% | $5,211-67.9% | $2,281-26.7% |
| Participant deferral / active EE | $3,183 | $4,812-33.9% | $6,282-49.3% | $3,203-0.6% |
| Admin fee / account holder | $1,425 | $5,372-73.5% | $9,324-84.7% | $4,296-66.8% |