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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 | $12,994 | $78,013-83.3% | $178,449-92.7% | $80,911-83.9% |
| Participation rate | 65.5% | 65.7%-0.2pp | 77.1%-11.6pp | 67.6%-2.2pp |
| Annual return | 16.30% | 18.07%-1.8pp | 27.09%-10.8pp | 35.63%-19.3pp |
| Employer contribution / active EE | $1,716 | $2,287-25.0% | $3,951-56.6% | $2,756-37.7% |
| Participant deferral / active EE | $2,719 | $4,408-38.3% | $6,277-56.7% | $4,297-36.7% |
| Admin fee / account holder | $1,251 | $7,166-82.5% | $10,362-87.9% | $6,935-82.0% |