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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 | $9,618 | $79,557-87.9% | $118,746-91.9% | $70,126-86.3% |
| Participation rate | 66.1% | 71.4%-5.2pp | 78.3%-12.1pp | 69.5%-3.4pp |
| Annual return | 23.86% | 25.64%-1.8pp | 24.54%-0.7pp | 73.15%-49.3pp |
| Employer contribution / active EE | $1,282 | $2,861-55.2% | $4,193-69.4% | $2,343-45.3% |
| Participant deferral / active EE | $2,029 | $4,089-50.4% | $5,332-61.9% | $3,332-39.1% |
| Admin fee / account holder | $1,732 | $5,374-67.8% | $10,720-83.8% | $4,645-62.7% |