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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 | $14,923 | $56,894-73.8% | $84,753-82.4% | $62,881-76.3% |
| Participation rate | 60.0% | 68.5%-8.5pp | 76.6%-16.6pp | 69.3%-9.3pp |
| Annual return | 9.21% | 6.30%+2.9pp | 22.78%-13.6pp | 20.14%-10.9pp |
| Employer contribution / active EE | $1,396 | $2,400-41.8% | $3,574-61.0% | $2,281-38.8% |
| Participant deferral / active EE | $2,530 | $2,709-6.6% | $3,712-31.9% | $3,203-21.0% |
| Admin fee / account holder | $964 | $3,581-73.1% | $5,333-81.9% | $4,296-77.6% |