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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 | $17,192 | $64,909-73.5% | $82,312-79.1% | $62,293-72.4% |
| Participation rate | 68.0% | 74.9%-6.9pp | 76.9%-8.9pp | 69.5%-1.5pp |
| Annual return | 17.02% | 21.18%-4.2pp | 25.88%-8.9pp | 28.90%-11.9pp |
| Employer contribution / active EE | $1,365 | $1,676-18.5% | $2,428-43.8% | $2,042-33.1% |
| Participant deferral / active EE | $2,163 | $3,103-30.3% | $3,706-41.6% | $3,169-31.7% |
| Admin fee / account holder | $351 | $440-20.2% | $5,608-93.7% | $479-26.8% |