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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 | $18,362 | $83,485-78.0% | $125,195-85.3% | $72,976-74.8% |
| Participation rate | 66.7% | 73.3%-6.6pp | 79.8%-13.1pp | 69.5%-2.8pp |
| Annual return | 26.29% | 25.77%+0.5pp | 43.79%-17.5pp | 81.02%-54.7pp |
| Employer contribution / active EE | $1,321 | $2,346-43.7% | $3,866-65.8% | $2,440-45.9% |
| Participant deferral / active EE | $3,265 | $3,586-9.0% | $4,937-33.9% | $3,608-9.5% |
| Admin fee / account holder | $780 | $5,518-85.9% | $9,704-92.0% | $5,124-84.8% |