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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 | $17,904 | $79,955-77.6% | $98,461-81.8% | $75,173-76.2% |
| Participation rate | 53.1% | 70.4%-17.2pp | 75.2%-22.0pp | 67.2%-14.1pp |
| Annual return | 25.53% | 19.75%+5.8pp | 21.17%+4.4pp | 160.72%-135.2pp |
| Employer contribution / active EE | $1,174 | $2,264-48.1% | $3,049-61.5% | $2,671-56.0% |
| Participant deferral / active EE | $3,697 | $3,752-1.5% | $4,738-22.0% | $4,126-10.4% |
| Admin fee / account holder | $2,524 | $6,841-63.1% | $8,961-71.8% | $5,651-55.3% |