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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 | $17,586 | $79,955-78.0% | $98,461-82.1% | $75,173-76.6% |
| Participation rate | 65.9% | 70.4%-4.5pp | 75.2%-9.3pp | 67.2%-1.4pp |
| Annual return | 22.12% | 19.75%+2.4pp | 21.17%+0.9pp | 160.72%-138.6pp |
| Employer contribution / active EE | $1,250 | $2,264-44.8% | $3,049-59.0% | $2,671-53.2% |
| Participant deferral / active EE | $4,522 | $3,752+20.5% | $4,738-4.6% | $4,126+9.6% |
| Admin fee / account holder | $345 | $6,841-95.0% | $8,961-96.1% | $5,651-93.9% |