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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 | $14,254 | $41,377-65.6% | $109,313-87.0% | $62,881-77.3% |
| Participation rate | 69.7% | 57.5%+12.2pp | 71.3%-1.6pp | 69.3%+0.4pp |
| Annual return | 11.04% | 11.05%0pp | 22.07%-11.0pp | 20.14%-9.1pp |
| Employer contribution / active EE | $1,322 | $1,276+3.6% | $3,892-66.0% | $2,281-42.0% |
| Participant deferral / active EE | $2,513 | $2,045+22.9% | $3,166-20.6% | $3,203-21.5% |
| Admin fee / account holder | $817 | $2,884-71.7% | $5,666-85.6% | $4,296-81.0% |