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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 | $8,194 | $73,981-88.9% | $105,754-92.3% | $62,881-87.0% |
| Participation rate | 61.4% | 71.7%-10.3pp | 78.9%-17.5pp | 69.3%-7.9pp |
| Annual return | 17.66% | 17.60%+0.1pp | 12.25%+5.4pp | 20.14%-2.5pp |
| Employer contribution / active EE | $1,530 | $2,856-46.4% | $4,079-62.5% | $2,281-32.9% |
| Participant deferral / active EE | $2,375 | $4,038-41.2% | $5,326-55.4% | $3,203-25.9% |
| Admin fee / account holder | $968 | $5,976-83.8% | $8,309-88.3% | $4,296-77.5% |