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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 | $15,528 | $58,493-73.5% | $84,021-81.5% | $72,975-78.7% |
| Participation rate | 53.3% | 61.2%-7.9pp | 69.0%-15.7pp | 69.5%-16.2pp |
| Annual return | 43.79% | 28.93%+14.9pp | 71.32%-27.5pp | 81.01%-37.2pp |
| Employer contribution / active EE | $1,650 | $1,163+41.9% | $1,984-16.8% | $2,440-32.4% |
| Participant deferral / active EE | $2,348 | $2,394-1.9% | $3,239-27.5% | $3,608-34.9% |
| Admin fee / account holder | $637 | $4,569-86.0% | $6,102-89.6% | $5,124-87.6% |