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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 | $17,258 | $60,349-71.4% | $74,184-76.7% | $62,881-72.6% |
| Participation rate | 69.7% | 72.7%-3.0pp | 76.6%-6.9pp | 69.3%+0.4pp |
| Annual return | 17.06% | 21.38%-4.3pp | 17.74%-0.7pp | 20.14%-3.1pp |
| Employer contribution / active EE | $1,323 | $1,680-21.3% | $2,370-44.2% | $2,281-42.0% |
| Participant deferral / active EE | $1,654 | $2,856-42.1% | $3,550-53.4% | $3,203-48.3% |
| Admin fee / account holder | $624 | $4,261-85.4% | $5,586-88.8% | $4,296-85.5% |