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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 | $12,595 | $79,557-84.2% | $118,746-89.4% | $70,126-82.0% |
| Participation rate | 52.9% | 71.4%-18.5pp | 78.3%-25.4pp | 69.5%-16.7pp |
| Annual return | 21.74% | 25.64%-3.9pp | 24.54%-2.8pp | 73.15%-51.4pp |
| Employer contribution / active EE | $1,016 | $2,861-64.5% | $4,193-75.8% | $2,343-56.6% |
| Participant deferral / active EE | $2,963 | $4,089-27.5% | $5,332-44.4% | $3,332-11.1% |
| Admin fee / account holder | $566 | $5,374-89.5% | $10,720-94.7% | $4,645-87.8% |