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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 | $20,064 | $97,550-79.4% | $120,344-83.3% | $87,485-77.1% |
| Participation rate | 52.2% | 72.8%-20.7pp | 76.7%-24.5pp | 68.9%-16.8pp |
| Annual return | 21.46% | 18.41%+3.0pp | 20.30%+1.2pp | 26.06%-4.6pp |
| Employer contribution / active EE | $1,387 | $2,291-39.4% | $3,020-54.1% | $2,596-46.6% |
| Participant deferral / active EE | $1,961 | $4,230-53.6% | $5,135-61.8% | $4,274-54.1% |
| Admin fee / account holder | $689 | $9,543-92.8% | $12,742-94.6% | $7,775-91.1% |