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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 | $11,746 | $76,371-84.6% | $93,621-87.5% | $72,976-83.9% |
| Participation rate | 61.5% | 71.8%-10.2pp | 75.8%-14.3pp | 69.5%-8.0pp |
| Annual return | 27.28% | 25.82%+1.5pp | 32.76%-5.5pp | 81.02%-53.7pp |
| Employer contribution / active EE | $643 | $2,276-71.7% | $2,719-76.3% | $2,440-73.6% |
| Participant deferral / active EE | $1,854 | $3,538-47.6% | $4,070-54.4% | $3,608-48.6% |
| Admin fee / account holder | $1,016 | $6,839-85.1% | $7,890-87.1% | $5,124-80.2% |