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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 | $14,757 | $56,894-74.1% | $84,753-82.6% | $62,881-76.5% |
| Participation rate | 29.6% | 68.5%-38.9pp | 76.6%-47.0pp | 69.3%-39.7pp |
| Annual return | 13.30% | 6.30%+7.0pp | 22.78%-9.5pp | 20.14%-6.8pp |
| Employer contribution / active EE | $2,947 | $2,400+22.8% | $3,574-17.6% | $2,281+29.2% |
| Participant deferral / active EE | $6,125 | $2,709+126.1% | $3,712+65.0% | $3,203+91.2% |
| Admin fee / account holder | $846 | $3,581-76.4% | $5,333-84.1% | $4,296-80.3% |