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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 | $15,334 | $58,048-73.6% | $94,215-83.7% | $65,306-76.5% |
| Participation rate | 31.3% | 45.3%-14.0pp | 70.0%-38.6pp | 57.7%-26.4pp |
| Annual return | 23.25% | 19.61%+3.6pp | 28.22%-5.0pp | 21.94%+1.3pp |
| Employer contribution / active EE | $960 | $1,427-32.7% | $2,675-64.1% | $1,967-51.2% |
| Participant deferral / active EE | $1,509 | $2,407-37.3% | $4,276-64.7% | $2,959-49.0% |
| Admin fee / account holder | $926 | $4,610-79.9% | $10,216-90.9% | $3,480-73.4% |