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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 | $13,374 | $67,602-80.2% | $82,312-83.8% | $70,126-80.9% |
| Participation rate | 53.3% | 72.8%-19.4pp | 76.9%-23.6pp | 69.5%-16.2pp |
| Annual return | 29.88% | 21.57%+8.3pp | 25.88%+4.0pp | 73.15%-43.3pp |
| Employer contribution / active EE | $1,118 | $1,755-36.3% | $2,428-54.0% | $2,343-52.3% |
| Participant deferral / active EE | $2,283 | $2,987-23.6% | $3,706-38.4% | $3,332-31.5% |
| Admin fee / account holder | $526 | $4,512-88.3% | $5,608-90.6% | $4,645-88.7% |