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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 | $12,768 | $49,791-74.4% | $78,210-83.7% | $70,126-81.8% |
| Participation rate | 61.8% | 62.3%-0.5pp | 68.7%-7.0pp | 69.5%-7.8pp |
| Annual return | 20.21% | 20.75%-0.5pp | 40.90%-20.7pp | 73.15%-52.9pp |
| Employer contribution / active EE | $1,526 | $1,430+6.7% | $2,034-25.0% | $2,343-34.9% |
| Participant deferral / active EE | $2,271 | $2,150+5.6% | $2,823-19.6% | $3,332-31.9% |
| Admin fee / account holder | $3,270 | $3,181+2.8% | $3,758-13.0% | $4,645-29.6% |