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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 | $12,748 | $79,955-84.1% | $98,461-87.1% | $75,173-83.0% |
| Participation rate | 53.3% | 70.4%-17.0pp | 75.2%-21.8pp | 67.2%-13.9pp |
| Annual return | 24.32% | 19.75%+4.6pp | 21.17%+3.1pp | 160.72%-136.4pp |
| Employer contribution / active EE | $1,313 | $2,264-42.0% | $3,049-56.9% | $2,671-50.8% |
| Participant deferral / active EE | $1,607 | $3,752-57.2% | $4,738-66.1% | $4,126-61.1% |
| Admin fee / account holder | $484 | $6,841-92.9% | $8,961-94.6% | $5,651-91.4% |