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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 | $12,355 | $73,787-83.3% | $98,716-87.5% | $82,448-85.0% |
| Participation rate | 41.2% | 61.4%-20.2pp | 69.3%-28.1pp | 68.1%-26.9pp |
| Annual return | 17.60% | 18.57%-1.0pp | 31.81%-14.2pp | 41.64%-24.0pp |
| Employer contribution / active EE | $1,354 | $1,511-10.4% | $2,279-40.6% | $2,551-46.9% |
| Participant deferral / active EE | $1,754 | $3,081-43.1% | $4,048-56.7% | $4,139-57.6% |
| Admin fee / account holder | $1,644 | $6,500-74.7% | $8,703-81.1% | $7,234-77.3% |