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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 | $12,143 | $72,027-83.1% | $185,835-93.5% | $79,852-84.8% |
| Participation rate | 69.8% | 65.8%+4.0pp | 78.0%-8.3pp | 69.6%+0.1pp |
| Annual return | 29.54% | 23.13%+6.4pp | 35.96%-6.4pp | 31.72%-2.2pp |
| Employer contribution / active EE | $1,672 | $1,965-14.9% | $4,087-59.1% | $2,471-32.3% |
| Participant deferral / active EE | $2,600 | $3,780-31.2% | $5,633-53.8% | $3,740-30.5% |
| Admin fee / account holder | $446 | $4,513-90.1% | $9,502-95.3% | $5,306-91.6% |