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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 | $11,445 | $67,411-83.0% | $91,004-87.4% | $70,124-83.7% |
| Participation rate | 62.2% | 71.4%-9.2pp | 75.6%-13.4pp | 69.5%-7.4pp |
| Annual return | 23.98% | -40.16%+64.1pp | 4.60%+19.4pp | 73.14%-49.2pp |
| Employer contribution / active EE | $1,164 | $1,786-34.8% | $2,456-52.6% | $2,342-50.3% |
| Participant deferral / active EE | $2,496 | $2,823-11.6% | $3,548-29.6% | $3,332-25.1% |
| Admin fee / account holder | $483 | $4,236-88.6% | $5,417-91.1% | $4,645-89.6% |