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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 | $8,608 | $52,306-83.5% | $69,779-87.7% | $62,881-86.3% |
| Participation rate | 67.6% | 67.2%+0.3pp | 71.8%-4.3pp | 69.3%-1.7pp |
| Annual return | 9.07% | 13.35%-4.3pp | 12.99%-3.9pp | 20.14%-11.1pp |
| Employer contribution / active EE | $1,530 | $1,799-14.9% | $2,338-34.6% | $2,281-32.9% |
| Participant deferral / active EE | $1,679 | $2,395-29.9% | $2,931-42.7% | $3,203-47.6% |
| Admin fee / account holder | $555 | $3,691-85.0% | $4,381-87.3% | $4,296-87.1% |