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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 | $14,712 | $73,978-80.1% | $96,515-84.8% | $75,173-80.4% |
| Participation rate | 69.1% | 66.4%+2.7pp | 74.3%-5.2pp | 67.2%+1.9pp |
| Annual return | 15.32% | 26.72%-11.4pp | 35.73%-20.4pp | 160.72%-145.4pp |
| Employer contribution / active EE | $1,214 | $2,931-58.6% | $3,740-67.5% | $2,671-54.6% |
| Participant deferral / active EE | $2,233 | $3,660-39.0% | $4,880-54.2% | $4,126-45.9% |
| Admin fee / account holder | $1,123 | $5,219-78.5% | $6,735-83.3% | $5,651-80.1% |