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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 | $15,397 | $72,492-78.8% | $87,104-82.3% | $72,975-78.9% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.9%-14.4pp | 69.5%-7.0pp |
| Annual return | 29.06% | 24.46%+4.6pp | 28.19%+0.9pp | 81.01%-51.9pp |
| Employer contribution / active EE | $1,203 | $1,894-36.5% | $2,521-52.3% | $2,440-50.7% |
| Participant deferral / active EE | $2,419 | $3,270-26.0% | $4,048-40.2% | $3,608-32.9% |
| Admin fee / account holder | $796 | $5,055-84.2% | $7,491-89.4% | $5,124-84.5% |