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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 | $12,918 | $72,486-82.2% | $87,103-85.2% | $72,976-82.3% |
| Participation rate | 44.3% | 72.8%-28.5pp | 76.9%-32.6pp | 69.5%-25.2pp |
| Annual return | 24.60% | 24.46%+0.1pp | 28.19%-3.6pp | 81.02%-56.4pp |
| Employer contribution / active EE | $1,137 | $1,894-39.9% | $2,521-54.9% | $2,440-53.4% |
| Participant deferral / active EE | $1,655 | $3,270-49.4% | $4,049-59.1% | $3,608-54.1% |
| Admin fee / account holder | $2,855 | $5,055-43.5% | $7,491-61.9% | $5,124-44.3% |