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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 | $12,097 | $72,486-83.3% | $87,103-86.1% | $72,976-83.4% |
| Participation rate | 54.4% | 72.8%-18.4pp | 76.9%-22.5pp | 69.5%-15.1pp |
| Annual return | 17.79% | 24.46%-6.7pp | 28.19%-10.4pp | 81.02%-63.2pp |
| Employer contribution / active EE | $1,276 | $1,894-32.6% | $2,521-49.4% | $2,440-47.7% |
| Participant deferral / active EE | $1,948 | $3,270-40.4% | $4,049-51.9% | $3,608-46.0% |
| Admin fee / account holder | $4,578 | $5,055-9.4% | $7,491-38.9% | $5,124-10.7% |