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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 | $16,337 | $86,949-81.2% | $102,460-84.1% | $80,959-79.8% |
| Participation rate | 63.5% | 72.4%-8.9pp | 76.5%-13.0pp | 67.7%-4.2pp |
| Annual return | 12.85% | 18.89%-6.0pp | 29.47%-16.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,245 | $2,370-47.4% | $3,025-58.8% | $2,757-54.8% |
| Participant deferral / active EE | $2,601 | $4,121-36.9% | $5,056-48.5% | $4,300-39.5% |
| Admin fee / account holder | $1,332 | $8,048-83.4% | $9,460-85.9% | $6,925-80.8% |