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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 | $15,489 | $72,273-78.6% | $101,275-84.7% | $79,856-80.6% |
| Participation rate | 47.5% | 68.5%-20.9pp | 75.8%-28.3pp | 69.6%-22.1pp |
| Annual return | 31.07% | 22.30%+8.8pp | 46.48%-15.4pp | 31.71%-0.6pp |
| Employer contribution / active EE | $1,630 | $2,691-39.4% | $3,660-55.5% | $2,471-34.1% |
| Participant deferral / active EE | $2,891 | $3,282-11.9% | $4,371-33.9% | $3,741-22.7% |
| Admin fee / account holder | $1,864 | $4,401-57.7% | $5,948-68.7% | $5,306-64.9% |