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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 | $12,245 | $54,541-77.5% | $78,778-84.5% | $70,124-82.5% |
| Participation rate | 58.0% | 60.8%-2.8pp | 69.2%-11.2pp | 69.5%-11.5pp |
| Annual return | 20.78% | 21.07%-0.3pp | 35.62%-14.8pp | 73.14%-52.4pp |
| Employer contribution / active EE | $438 | $1,089-59.8% | $1,986-77.9% | $2,342-81.3% |
| Participant deferral / active EE | $1,288 | $2,210-41.7% | $2,958-56.5% | $3,332-61.3% |
| Admin fee / account holder | $1,360 | $3,709-63.3% | $5,134-73.5% | $4,645-70.7% |