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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 | $15,069 | $69,383-78.3% | $101,271-85.1% | $73,493-79.5% |
| Participation rate | 48.9% | 68.4%-19.5pp | 75.8%-26.9pp | 70.7%-21.8pp |
| Annual return | 30.08% | 18.46%+11.6pp | 46.48%-16.4pp | 28.51%+1.6pp |
| Employer contribution / active EE | $1,193 | $2,628-54.6% | $3,660-67.4% | $2,270-47.5% |
| Participant deferral / active EE | $2,020 | $3,301-38.8% | $4,371-53.8% | $3,740-46.0% |
| Admin fee / account holder | $1,198 | $704+70.2% | $5,948-79.9% | $513+133.5% |