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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 | $13,390 | $62,672-78.6% | $185,117-92.8% | $70,126-80.9% |
| Participation rate | 60.5% | 63.8%-3.3pp | 77.3%-16.8pp | 69.5%-9.1pp |
| Annual return | 20.96% | 40.79%-19.8pp | 40.50%-19.5pp | 73.15%-52.2pp |
| Employer contribution / active EE | $1,087 | $1,753-38.0% | $4,182-74.0% | $2,343-53.6% |
| Participant deferral / active EE | $2,457 | $3,272-24.9% | $5,045-51.3% | $3,332-26.3% |
| Admin fee / account holder | $1,367 | $3,932-65.2% | $8,159-83.2% | $4,645-70.6% |