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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 | $11,985 | $86,949-86.2% | $102,460-88.3% | $80,959-85.2% |
| Participation rate | 51.9% | 72.4%-20.5pp | 76.5%-24.7pp | 67.7%-15.8pp |
| Annual return | 13.99% | 18.89%-4.9pp | 29.47%-15.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,416 | $2,370-40.3% | $3,025-53.2% | $2,757-48.7% |
| Participant deferral / active EE | $1,906 | $4,121-53.7% | $5,056-62.3% | $4,300-55.7% |
| Admin fee / account holder | $1,508 | $8,048-81.3% | $9,460-84.1% | $6,925-78.2% |