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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 | $11,644 | $106,524-89.1% | $152,301-92.4% | $87,485-86.7% |
| Participation rate | 29.7% | 75.8%-46.0pp | 82.4%-52.7pp | 68.9%-39.2pp |
| Annual return | 32.52% | 26.89%+5.6pp | 80.50%-48.0pp | 26.06%+6.5pp |
| Employer contribution / active EE | $1,641 | $3,371-51.3% | $4,624-64.5% | $2,596-36.8% |
| Participant deferral / active EE | $2,618 | $6,525-59.9% | $8,004-67.3% | $4,274-38.7% |
| Admin fee / account holder | $543 | $8,287-93.4% | $14,398-96.2% | $7,775-93.0% |