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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 | $12,494 | $54,541-77.1% | $78,778-84.1% | $70,126-82.2% |
| Participation rate | 30.2% | 60.8%-30.6pp | 69.2%-39.0pp | 69.5%-39.4pp |
| Annual return | 24.48% | 21.07%+3.4pp | 35.62%-11.1pp | 73.15%-48.7pp |
| Employer contribution / active EE | $983 | $1,089-9.7% | $1,986-50.5% | $2,343-58.0% |
| Participant deferral / active EE | $1,357 | $2,210-38.6% | $2,958-54.1% | $3,332-59.3% |
| Admin fee / account holder | $1,725 | $3,709-53.5% | $5,134-66.4% | $4,645-62.9% |