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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 | $11,417 | $83,485-86.3% | $125,195-90.9% | $72,976-84.4% |
| Participation rate | 50.0% | 73.3%-23.3pp | 79.8%-29.8pp | 69.5%-19.5pp |
| Annual return | 27.05% | 25.77%+1.3pp | 43.79%-16.7pp | 81.02%-54.0pp |
| Employer contribution / active EE | $1,499 | $2,346-36.1% | $3,866-61.2% | $2,440-38.6% |
| Participant deferral / active EE | $1,824 | $3,586-49.1% | $4,937-63.1% | $3,608-49.5% |
| Admin fee / account holder | $455 | $5,518-91.7% | $9,704-95.3% | $5,124-91.1% |