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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 | $13,475 | $63,845-78.9% | $81,370-83.4% | $80,959-83.4% |
| Participation rate | 59.4% | 63.9%-4.5pp | 69.5%-10.2pp | 67.7%-8.3pp |
| Annual return | 11.65% | 16.37%-4.7pp | 24.85%-13.2pp | 35.67%-24.0pp |
| Employer contribution / active EE | $1,066 | $1,980-46.2% | $2,464-56.7% | $2,757-61.3% |
| Participant deferral / active EE | $2,928 | $3,093-5.3% | $3,885-24.6% | $4,300-31.9% |
| Admin fee / account holder | $2,208 | $5,688-61.2% | $5,749-61.6% | $6,925-68.1% |