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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 | $13,441 | $97,550-86.2% | $120,344-88.8% | $87,485-84.6% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.7%-16.7pp | 68.9%-8.9pp |
| Annual return | 12.93% | 18.41%-5.5pp | 20.30%-7.4pp | 26.06%-13.1pp |
| Employer contribution / active EE | $1,533 | $2,291-33.1% | $3,020-49.2% | $2,596-41.0% |
| Participant deferral / active EE | $2,057 | $4,230-51.4% | $5,135-59.9% | $4,274-51.9% |
| Admin fee / account holder | $1,695 | $9,543-82.2% | $12,742-86.7% | $7,775-78.2% |