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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 | $8,721 | $67,894-87.2% | $89,340-90.2% | $82,448-89.4% |
| Participation rate | 68.5% | 64.0%+4.4pp | 69.6%-1.1pp | 68.1%+0.4pp |
| Annual return | 19.39% | 19.21%+0.2pp | 20.57%-1.2pp | 41.64%-22.2pp |
| Employer contribution / active EE | $1,103 | $1,828-39.6% | $2,231-50.5% | $2,551-56.7% |
| Participant deferral / active EE | $1,922 | $3,072-37.4% | $3,823-49.7% | $4,139-53.6% |
| Admin fee / account holder | $1,982 | $5,723-65.4% | $6,704-70.4% | $7,234-72.6% |