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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 | $10,391 | $73,787-85.9% | $98,716-89.5% | $82,448-87.4% |
| Participation rate | 64.5% | 61.4%+3.1pp | 69.3%-4.8pp | 68.1%-3.6pp |
| Annual return | 21.89% | 18.57%+3.3pp | 31.81%-9.9pp | 41.64%-19.8pp |
| Employer contribution / active EE | $1,357 | $1,511-10.2% | $2,279-40.4% | $2,551-46.8% |
| Participant deferral / active EE | $2,390 | $3,081-22.4% | $4,048-40.9% | $4,139-42.3% |
| Admin fee / account holder | $1,018 | $6,500-84.3% | $8,703-88.3% | $7,234-85.9% |