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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 | $12,668 | $76,551-83.5% | $123,894-89.8% | $62,881-79.9% |
| Participation rate | 52.6% | 73.0%-20.4pp | 81.4%-28.8pp | 69.3%-16.7pp |
| Annual return | 19.00% | 18.68%+0.3pp | 47.52%-28.5pp | 20.14%-1.1pp |
| Employer contribution / active EE | $1,269 | $2,882-56.0% | $4,617-72.5% | $2,281-44.4% |
| Participant deferral / active EE | $3,551 | $4,840-26.6% | $5,984-40.7% | $3,203+10.9% |
| Admin fee / account holder | $2,133 | $4,826-55.8% | $8,357-74.5% | $4,296-50.4% |