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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 | $13,240 | $86,330-84.7% | $121,871-89.1% | $94,015-85.9% |
| Participation rate | 48.4% | 66.7%-18.3pp | 73.2%-24.8pp | 70.8%-22.4pp |
| Annual return | 16.60% | 14.95%+1.6pp | 13.57%+3.0pp | 17.84%-1.2pp |
| Employer contribution / active EE | $858 | $2,292-62.6% | $2,731-68.6% | $2,790-69.3% |
| Participant deferral / active EE | $1,315 | $3,146-58.2% | $4,318-69.6% | $4,249-69.1% |
| Admin fee / account holder | $1,859 | $7,346-74.7% | $11,551-83.9% | $8,951-79.2% |