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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 | $12,540 | $88,672-85.9% | $105,223-88.1% | $82,448-84.8% |
| Participation rate | 60.6% | 67.9%-7.3pp | 75.0%-14.4pp | 68.1%-7.5pp |
| Annual return | 25.39% | 30.86%-5.5pp | 180.65%-155.3pp | 41.64%-16.3pp |
| Employer contribution / active EE | $962 | $3,048-68.4% | $3,689-73.9% | $2,551-62.3% |
| Participant deferral / active EE | $2,848 | $4,036-29.4% | $5,072-43.8% | $4,139-31.2% |
| Admin fee / account holder | $648 | $7,146-90.9% | $8,859-92.7% | $7,234-91.0% |