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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 | $16,233 | $71,215-77.2% | $93,696-82.7% | $80,935-79.9% |
| Participation rate | 54.5% | 60.4%-5.9pp | 68.7%-14.2pp | 67.7%-13.1pp |
| Annual return | 13.28% | 11.27%+2.0pp | 133.74%-120.5pp | 35.66%-22.4pp |
| Employer contribution / active EE | $1,534 | $1,565-2.0% | $2,422-36.7% | $2,757-44.4% |
| Participant deferral / active EE | $1,416 | $4,037-64.9% | $4,417-67.9% | $4,299-67.1% |
| Admin fee / account holder | $1,058 | $6,958-84.8% | $8,287-87.2% | $6,924-84.7% |