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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 | $8,640 | $52,580-83.6% | $71,671-87.9% | $70,126-87.7% |
| Participation rate | 44.3% | 60.9%-16.6pp | 68.7%-24.4pp | 69.5%-25.2pp |
| Annual return | 26.78% | 20.25%+6.5pp | 20.65%+6.1pp | 73.15%-46.4pp |
| Employer contribution / active EE | $1,016 | $1,616-37.1% | $2,460-58.7% | $2,343-56.6% |
| Participant deferral / active EE | $1,425 | $2,386-40.3% | $3,438-58.6% | $3,332-57.2% |
| Admin fee / account holder | $796 | $3,653-78.2% | $5,558-85.7% | $4,645-82.9% |