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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 | $11,642 | $72,272-83.9% | $101,264-88.5% | $79,858-85.4% |
| Participation rate | 64.2% | 68.5%-4.3pp | 75.8%-11.6pp | 69.6%-5.5pp |
| Annual return | 27.15% | 22.30%+4.9pp | 46.48%-19.3pp | 31.72%-4.6pp |
| Employer contribution / active EE | $1,826 | $2,692-32.1% | $3,660-50.1% | $2,471-26.1% |
| Participant deferral / active EE | $2,630 | $3,282-19.8% | $4,370-39.8% | $3,740-29.7% |
| Admin fee / account holder | $1,682 | $4,401-61.8% | $5,947-71.7% | $5,306-68.3% |