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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 | $15,672 | $56,110-72.1% | $94,993-83.5% | $70,126-77.7% |
| Participation rate | 62.1% | 65.0%-2.9pp | 73.9%-11.8pp | 69.5%-7.5pp |
| Annual return | 22.33% | 51.02%-28.7pp | 27.14%-4.8pp | 73.15%-50.8pp |
| Employer contribution / active EE | $1,527 | $1,442+5.9% | $2,603-41.3% | $2,343-34.8% |
| Participant deferral / active EE | $2,812 | $2,391+17.6% | $3,317-15.2% | $3,332-15.6% |
| Admin fee / account holder | $1,618 | $3,456-53.2% | $4,960-67.4% | $4,645-65.2% |