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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 | $11,247 | $72,269-84.4% | $101,271-88.9% | $79,852-85.9% |
| Participation rate | 62.9% | 68.5%-5.6pp | 75.8%-12.9pp | 69.6%-6.8pp |
| Annual return | 22.49% | 22.29%+0.2pp | 46.48%-24.0pp | 31.72%-9.2pp |
| Employer contribution / active EE | $1,583 | $2,692-41.2% | $3,660-56.7% | $2,471-35.9% |
| Participant deferral / active EE | $2,998 | $3,282-8.6% | $4,371-31.4% | $3,740-19.8% |
| Admin fee / account holder | $1,932 | $4,401-56.1% | $5,948-67.5% | $5,306-63.6% |