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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 | $12,677 | $70,879-82.1% | $189,575-93.3% | $79,391-84.0% |
| Participation rate | 69.0% | 68.0%+1.1pp | 78.4%-9.4pp | 70.7%-1.7pp |
| Annual return | 21.96% | 20.70%+1.3pp | 64.19%-42.2pp | 116.88%-94.9pp |
| Employer contribution / active EE | $1,216 | $1,806-32.7% | $4,412-72.4% | $2,428-49.9% |
| Participant deferral / active EE | $2,184 | $4,081-46.5% | $6,174-64.6% | $4,046-46.0% |
| Admin fee / account holder | $1,132 | $647+74.8% | $9,806-88.5% | $627+80.7% |