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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 | $11,064 | $81,487-86.4% | $102,412-89.2% | $80,935-86.3% |
| Participation rate | 67.3% | 66.8%+0.4pp | 74.5%-7.2pp | 67.7%-0.4pp |
| Annual return | 11.82% | 25.60%-13.8pp | 24.94%-13.1pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,185 | $3,103-61.8% | $3,870-69.4% | $2,757-57.0% |
| Participant deferral / active EE | $2,879 | $3,871-25.6% | $5,060-43.1% | $4,299-33.0% |
| Admin fee / account holder | $955 | $6,717-85.8% | $8,388-88.6% | $6,924-86.2% |