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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 | $11,067 | $56,423-80.4% | $77,183-85.7% | $71,495-84.5% |
| Participation rate | 44.8% | 64.3%-19.6pp | 69.6%-24.8pp | 67.9%-23.2pp |
| Annual return | 21.90% | 19.05%+2.9pp | 37.89%-16.0pp | 28.85%-6.9pp |
| Employer contribution / active EE | $1,140 | $1,866-38.9% | $2,534-55.0% | $2,589-56.0% |
| Participant deferral / active EE | $1,913 | $3,142-39.1% | $3,833-50.1% | $4,291-55.4% |
| Admin fee / account holder | $1,263 | $1,429-11.6% | $5,475-76.9% | $1,588-20.5% |