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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 | $12,380 | $69,444-82.2% | $92,985-86.7% | $87,485-85.8% |
| Participation rate | 60.0% | 63.3%-3.3pp | 69.5%-9.5pp | 68.9%-8.9pp |
| Annual return | 16.14% | 23.85%-7.7pp | 27.99%-11.9pp | 26.06%-9.9pp |
| Employer contribution / active EE | $422 | $1,917-78.0% | $2,662-84.1% | $2,596-83.7% |
| Participant deferral / active EE | $2,560 | $3,364-23.9% | $4,377-41.5% | $4,274-40.1% |
| Admin fee / account holder | $2,168 | $6,137-64.7% | $9,463-77.1% | $7,775-72.1% |