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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 | $13,724 | $101,778-86.5% | $164,975-91.7% | $80,925-83.0% |
| Participation rate | 64.3% | 71.8%-7.5pp | 78.6%-14.3pp | 67.7%-3.4pp |
| Annual return | 17.41% | 16.73%+0.7pp | 70.12%-52.7pp | 35.65%-18.2pp |
| Employer contribution / active EE | $1,140 | $2,954-61.4% | $4,343-73.8% | $2,756-58.6% |
| Participant deferral / active EE | $3,301 | $4,477-26.3% | $6,033-45.3% | $4,299-23.2% |
| Admin fee / account holder | $3,221 | $8,221-60.8% | $12,688-74.6% | $6,940-53.6% |