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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 | $11,766 | $99,345-88.2% | $84,753-86.1% | $273,972-95.7% |
| Participation rate | 66.7% | 80.7%-14.0pp | 76.6%-9.9pp | 83.0%-16.3pp |
| Annual return | 10.08% | 22.93%-12.8pp | 22.78%-12.7pp | 41.46%-31.4pp |
| Employer contribution / active EE | $2,422 | $4,214-42.5% | $3,574-32.3% | $4,869-50.3% |
| Participant deferral / active EE | $4,018 | $4,270-5.9% | $3,712+8.2% | $5,287-24.0% |
| Admin fee / account holder | $1,207 | $6,645-81.8% | $5,333-77.4% | $10,133-88.1% |