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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 | $16,121 | $54,541-70.4% | $78,778-79.5% | $70,126-77.0% |
| Participation rate | 66.0% | 60.8%+5.2pp | 69.2%-3.2pp | 69.5%-3.5pp |
| Annual return | 16.90% | 21.07%-4.2pp | 35.62%-18.7pp | 73.15%-56.2pp |
| Employer contribution / active EE | $1,290 | $1,089+18.5% | $1,986-35.1% | $2,343-44.9% |
| Participant deferral / active EE | $2,630 | $2,210+19.0% | $2,958-11.1% | $3,332-21.1% |
| Admin fee / account holder | $626 | $3,709-83.1% | $5,134-87.8% | $4,645-86.5% |