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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 | $11,548 | $65,395-82.3% | $182,558-93.7% | $72,976-84.2% |
| Participation rate | 53.6% | 65.4%-11.9pp | 78.0%-24.4pp | 69.5%-15.9pp |
| Annual return | 21.60% | 27.68%-6.1pp | 148.59%-127.0pp | 81.02%-59.4pp |
| Employer contribution / active EE | $950 | $1,911-50.3% | $4,076-76.7% | $2,440-61.1% |
| Participant deferral / active EE | $2,471 | $3,563-30.7% | $5,526-55.3% | $3,608-31.5% |
| Admin fee / account holder | $447 | $4,245-89.5% | $8,594-94.8% | $5,124-91.3% |