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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 | $12,660 | $101,778-87.6% | $164,975-92.3% | $80,925-84.4% |
| Participation rate | 66.7% | 71.8%-5.2pp | 78.6%-11.9pp | 67.7%-1.0pp |
| Annual return | 12.04% | 16.73%-4.7pp | 70.12%-58.1pp | 35.65%-23.6pp |
| Employer contribution / active EE | $1,152 | $2,954-61.0% | $4,343-73.5% | $2,756-58.2% |
| Participant deferral / active EE | $2,300 | $4,477-48.6% | $6,033-61.9% | $4,299-46.5% |
| Admin fee / account holder | $643 | $8,221-92.2% | $12,688-94.9% | $6,940-90.7% |