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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 | $11,196 | $51,708-78.3% | $106,619-89.5% | $62,881-82.2% |
| Participation rate | 54.9% | 66.9%-11.9pp | 78.0%-23.1pp | 69.3%-14.4pp |
| Annual return | 25.03% | 4.69%+20.3pp | 9.42%+15.6pp | 20.14%+4.9pp |
| Employer contribution / active EE | $1,185 | $1,764-32.8% | $3,947-70.0% | $2,281-48.1% |
| Participant deferral / active EE | $2,064 | $2,315-10.9% | $3,930-47.5% | $3,203-35.6% |
| Admin fee / account holder | $3,235 | $3,349-3.4% | $6,418-49.6% | $4,296-24.7% |