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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 | $14,867 | $85,515-82.6% | $112,040-86.7% | $67,986-78.1% |
| Participation rate | 67.0% | 68.2%-1.2pp | 76.5%-9.5pp | 57.2%+9.8pp |
| Annual return | 19.50% | 29.68%-10.2pp | 24.52%-5.0pp | 31.67%-12.2pp |
| Employer contribution / active EE | $1,088 | $2,191-50.3% | $2,954-63.2% | $2,019-46.1% |
| Participant deferral / active EE | $2,605 | $4,014-35.1% | $5,098-48.9% | $3,358-22.4% |
| Admin fee / account holder | $837 | $3,774-77.8% | $12,098-93.1% | $3,203-73.9% |