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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 | $13,626 | $52,580-74.1% | $71,671-81.0% | $70,126-80.6% |
| Participation rate | 65.9% | 60.9%+5.0pp | 68.7%-2.8pp | 69.5%-3.6pp |
| Annual return | 17.46% | 20.25%-2.8pp | 20.65%-3.2pp | 73.15%-55.7pp |
| Employer contribution / active EE | $1,856 | $1,616+14.8% | $2,460-24.6% | $2,343-20.8% |
| Participant deferral / active EE | $2,433 | $2,386+2.0% | $3,438-29.2% | $3,332-27.0% |
| Admin fee / account holder | $464 | $3,653-87.3% | $5,558-91.7% | $4,645-90.0% |