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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 | $10,379 | $67,602-84.6% | $82,312-87.4% | $70,126-85.2% |
| Participation rate | 67.8% | 72.8%-5.0pp | 76.9%-9.1pp | 69.5%-1.8pp |
| Annual return | 21.06% | 21.57%-0.5pp | 25.88%-4.8pp | 73.15%-52.1pp |
| Employer contribution / active EE | $1,319 | $1,755-24.9% | $2,428-45.7% | $2,343-43.7% |
| Participant deferral / active EE | $2,470 | $2,987-17.3% | $3,706-33.4% | $3,332-25.9% |
| Admin fee / account holder | $420 | $4,512-90.7% | $5,608-92.5% | $4,645-91.0% |