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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 | $17,715 | $108,825-83.7% | $156,181-88.7% | $82,448-78.5% |
| Participation rate | 68.6% | 72.4%-3.8pp | 78.8%-10.3pp | 68.1%+0.5pp |
| Annual return | 16.82% | 20.59%-3.8pp | 64.87%-48.1pp | 41.64%-24.8pp |
| Employer contribution / active EE | $1,621 | $2,870-43.5% | $4,294-62.2% | $2,551-36.4% |
| Participant deferral / active EE | $2,871 | $4,577-37.3% | $6,132-53.2% | $4,139-30.6% |
| Admin fee / account holder | $1,317 | $9,341-85.9% | $14,586-91.0% | $7,234-81.8% |