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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 | $12,185 | $56,287-78.4% | $80,977-85.0% | $62,881-80.6% |
| Participation rate | 48.2% | 68.9%-20.7pp | 75.8%-27.6pp | 69.3%-21.1pp |
| Annual return | 38.02% | 22.13%+15.9pp | 17.11%+20.9pp | 20.14%+17.9pp |
| Employer contribution / active EE | $1,294 | $1,943-33.4% | $3,715-65.2% | $2,281-43.3% |
| Participant deferral / active EE | $4,033 | $4,196-3.9% | $5,696-29.2% | $3,203+25.9% |
| Admin fee / account holder | $646 | $3,742-82.7% | $5,517-88.3% | $4,296-85.0% |