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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 | $12,683 | $106,749-88.1% | $145,433-91.3% | $82,448-84.6% |
| Participation rate | 65.6% | 75.6%-10.0pp | 82.1%-16.5pp | 68.1%-2.4pp |
| Annual return | 20.54% | 27.59%-7.0pp | 66.58%-46.0pp | 41.64%-21.1pp |
| Employer contribution / active EE | $1,627 | $3,444-52.8% | $4,554-64.3% | $2,551-36.2% |
| Participant deferral / active EE | $3,198 | $6,519-50.9% | $7,897-59.5% | $4,139-22.7% |
| Admin fee / account holder | $1,236 | $8,390-85.3% | $13,129-90.6% | $7,234-82.9% |