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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 | $9,999 | $58,577-82.9% | $83,323-88.0% | $64,181-84.4% |
| Participation rate | 52.8% | 72.0%-19.3pp | 77.8%-25.0pp | 69.6%-16.8pp |
| Annual return | 6.50% | 9.65%-3.1pp | 10.63%-4.1pp | 7.63%-1.1pp |
| Employer contribution / active EE | $1,718 | $2,098-18.1% | $3,379-49.1% | $2,381-27.8% |
| Participant deferral / active EE | $3,600 | $4,654-22.6% | $5,565-35.3% | $3,470+3.8% |
| Admin fee / account holder | $692 | $9,275-92.5% | $7,539-90.8% | $4,887-85.8% |