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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 | $13,129 | $54,590-75.9% | $81,716-83.9% | $73,493-82.1% |
| Participation rate | 52.7% | 68.3%-15.6pp | 72.0%-19.3pp | 70.7%-18.0pp |
| Annual return | 23.57% | 17.74%+5.8pp | 29.49%-5.9pp | 28.51%-4.9pp |
| Employer contribution / active EE | $1,072 | $1,636-34.5% | $4,310-75.1% | $2,270-52.8% |
| Participant deferral / active EE | $2,046 | $2,759-25.8% | $7,108-71.2% | $3,740-45.3% |
| Admin fee / account holder | $659 | $592+11.3% | $5,159-87.2% | $513+28.4% |