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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 | $15,752 | $118,488-86.7% | $98,462-84.0% | $139,487-88.7% |
| Participation rate | 61.1% | 77.5%-16.4pp | 75.2%-14.1pp | 80.3%-19.2pp |
| Annual return | 21.65% | 18.96%+2.7pp | 21.17%+0.5pp | 373.84%-352.2pp |
| Employer contribution / active EE | $1,548 | $3,611-57.1% | $3,049-49.2% | $4,755-67.4% |
| Participant deferral / active EE | $2,019 | $5,393-62.6% | $4,738-57.4% | $6,713-69.9% |
| Admin fee / account holder | $1,178 | $13,868-91.5% | $8,875-86.7% | $11,407-89.7% |