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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 | $16,359 | $199,109-91.8% | $173,730-90.6% | $154,746-89.4% |
| Participation rate | 54.5% | 82.8%-28.3pp | 79.6%-25.0pp | 80.7%-26.2pp |
| Annual return | 26.30% | 20.02%+6.3pp | 19.96%+6.3pp | 172.34%-146.0pp |
| Employer contribution / active EE | $1,341 | $5,311-74.8% | $4,577-70.7% | $4,379-69.4% |
| Participant deferral / active EE | $2,669 | $7,113-62.5% | $6,326-57.8% | $6,730-60.3% |
| Admin fee / account holder | $1,351 | $20,916-93.5% | $17,523-92.3% | $14,365-90.6% |