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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 | $10,646 | $49,025-78.3% | $87,502-87.8% | $62,881-83.1% |
| Participation rate | 34.5% | 64.9%-30.4pp | 73.8%-39.4pp | 69.3%-34.8pp |
| Annual return | 11.86% | 10.02%+1.8pp | 12.21%-0.4pp | 20.14%-8.3pp |
| Employer contribution / active EE | $1,737 | $1,372+26.6% | $2,550-31.9% | $2,281-23.9% |
| Participant deferral / active EE | $1,374 | $2,289-40.0% | $3,149-56.4% | $3,203-57.1% |
| Admin fee / account holder | $4,134 | $4,065+1.7% | $4,221-2.1% | $4,296-3.8% |