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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 | $12,774 | $69,137-81.5% | $182,153-93.0% | $94,015-86.4% |
| Participation rate | 56.3% | 59.6%-3.3pp | 65.7%-9.4pp | 70.8%-14.5pp |
| Annual return | 23.31% | 21.34%+2.0pp | 35.04%-11.7pp | 17.84%+5.5pp |
| Employer contribution / active EE | $1,200 | $2,152-44.2% | $2,593-53.7% | $2,790-57.0% |
| Participant deferral / active EE | $2,212 | $2,665-17.0% | $3,776-41.4% | $4,249-48.0% |
| Admin fee / account holder | $583 | $11,615-95.0% | $9,477-93.9% | $8,951-93.5% |