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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 | $8,013 | $75,720-89.4% | $90,312-91.1% | $86,983-90.8% |
| Participation rate | 68.2% | 66.3%+1.9pp | 72.9%-4.7pp | 69.5%-1.4pp |
| Annual return | 24.16% | 18.55%+5.6pp | 18.90%+5.3pp | 25.83%-1.7pp |
| Employer contribution / active EE | $1,081 | $1,945-44.4% | $2,243-51.8% | $2,584-58.2% |
| Participant deferral / active EE | $1,468 | $3,001-51.1% | $3,749-60.8% | $4,194-65.0% |
| Admin fee / account holder | $974 | $6,201-84.3% | $8,248-88.2% | $7,856-87.6% |