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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 | $15,108 | $64,359-76.5% | $90,161-83.2% | $70,126-78.5% |
| Participation rate | 67.9% | 70.4%-2.6pp | 76.9%-9.0pp | 69.5%-1.7pp |
| Annual return | 31.12% | 28.13%+3.0pp | 34.89%-3.8pp | 73.15%-42.0pp |
| Employer contribution / active EE | $1,393 | $2,046-31.9% | $3,318-58.0% | $2,343-40.5% |
| Participant deferral / active EE | $5,891 | $4,389+34.2% | $5,287+11.4% | $3,332+76.8% |
| Admin fee / account holder | $326 | $3,945-91.7% | $5,943-94.5% | $4,645-93.0% |