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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 | $22,494 | $109,782-79.5% | $260,467-91.4% | $94,015-76.1% |
| Participation rate | 69.0% | 67.2%+1.8pp | 80.5%-11.5pp | 70.8%-1.9pp |
| Annual return | 16.68% | 18.60%-1.9pp | 100.60%-83.9pp | 17.84%-1.2pp |
| Employer contribution / active EE | $1,287 | $2,147-40.1% | $4,239-69.6% | $2,790-53.9% |
| Participant deferral / active EE | $1,531 | $4,044-62.1% | $6,319-75.8% | $4,249-64.0% |
| Admin fee / account holder | $670 | $11,958-94.4% | $15,461-95.7% | $8,951-92.5% |