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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 | $12,797 | $81,457-84.3% | $103,378-87.6% | $80,911-84.2% |
| Participation rate | 54.7% | 66.8%-12.1pp | 74.5%-19.8pp | 67.6%-12.9pp |
| Annual return | 14.16% | 25.58%-11.4pp | 24.91%-10.8pp | 35.63%-21.5pp |
| Employer contribution / active EE | $1,666 | $3,107-46.4% | $3,870-56.9% | $2,756-39.5% |
| Participant deferral / active EE | $2,731 | $3,871-29.4% | $5,058-46.0% | $4,297-36.4% |
| Admin fee / account holder | $1,973 | $6,717-70.6% | $8,401-76.5% | $6,935-71.5% |