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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 | $15,949 | $86,919-81.7% | $102,457-84.4% | $80,911-80.3% |
| Participation rate | 67.8% | 72.4%-4.6pp | 76.5%-8.7pp | 67.6%+0.1pp |
| Annual return | 38.60% | 18.90%+19.7pp | 29.41%+9.2pp | 35.63%+3.0pp |
| Employer contribution / active EE | $1,511 | $2,368-36.2% | $3,022-50.0% | $2,756-45.2% |
| Participant deferral / active EE | $2,898 | $4,119-29.6% | $5,054-42.7% | $4,297-32.6% |
| Admin fee / account holder | $1,920 | $8,049-76.1% | $9,451-79.7% | $6,935-72.3% |