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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 | $11,485 | $77,574-85.2% | $108,753-89.4% | $86,983-86.8% |
| Participation rate | 69.6% | 62.3%+7.3pp | 71.1%-1.5pp | 69.5%0pp |
| Annual return | 21.00% | 18.42%+2.6pp | 37.47%-16.5pp | 25.83%-4.8pp |
| Employer contribution / active EE | $809 | $1,611-49.8% | $2,427-66.7% | $2,584-68.7% |
| Participant deferral / active EE | $2,081 | $3,128-33.5% | $4,115-49.4% | $4,194-50.4% |
| Admin fee / account holder | $878 | $6,529-86.5% | $10,320-91.5% | $7,856-88.8% |