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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 | $11,381 | $93,055-87.8% | $153,643-92.6% | $80,935-85.9% |
| Participation rate | 57.5% | 69.0%-11.5pp | 77.1%-19.6pp | 67.7%-10.2pp |
| Annual return | 17.28% | 19.97%-2.7pp | 15.71%+1.6pp | 35.66%-18.4pp |
| Employer contribution / active EE | $1,621 | $3,504-53.7% | $5,039-67.8% | $2,757-41.2% |
| Participant deferral / active EE | $3,975 | $5,172-23.2% | $6,754-41.2% | $4,299-7.6% |
| Admin fee / account holder | $1,968 | $8,881-77.8% | $12,739-84.6% | $6,924-71.6% |