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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 | $11,780 | $141,001-91.6% | $112,228-89.5% | $139,487-91.6% |
| Participation rate | 36.4% | 79.2%-42.8pp | 72.4%-36.1pp | 80.3%-44.0pp |
| Annual return | 32.57% | 32.75%-0.2pp | 30.23%+2.3pp | 373.84%-341.3pp |
| Employer contribution / active EE | $1,310 | $4,285-69.4% | $3,432-61.8% | $4,755-72.5% |
| Participant deferral / active EE | $1,433 | $5,877-75.6% | $4,800-70.1% | $6,713-78.7% |
| Admin fee / account holder | $952 | $9,959-90.4% | $7,752-87.7% | $11,407-91.7% |