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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 | $10,996 | $56,894-80.7% | $84,753-87.0% | $62,881-82.5% |
| Participation rate | 61.8% | 68.5%-6.8pp | 76.6%-14.8pp | 69.3%-7.5pp |
| Annual return | 8.26% | 6.30%+2.0pp | 22.78%-14.5pp | 20.14%-11.9pp |
| Employer contribution / active EE | $1,638 | $2,400-31.8% | $3,574-54.2% | $2,281-28.2% |
| Participant deferral / active EE | $4,404 | $2,709+62.5% | $3,712+18.6% | $3,203+37.5% |
| Admin fee / account holder | $3,789 | $3,581+5.8% | $5,333-29.0% | $4,296-11.8% |