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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 | $17,808 | $48,364-63.2% | $71,796-75.2% | $62,881-71.7% |
| Participation rate | 68.4% | 60.6%+7.8pp | 69.1%-0.7pp | 69.3%-0.9pp |
| Annual return | 6.35% | 13.16%-6.8pp | 78.04%-71.7pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,071 | $1,042+2.8% | $1,924-44.3% | $2,281-53.0% |
| Participant deferral / active EE | $1,666 | $2,091-20.3% | $2,794-40.4% | $3,203-48.0% |
| Admin fee / account holder | $2,204 | $3,771-41.5% | $4,815-54.2% | $4,296-48.7% |