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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 | $10,646 | $69,444-84.7% | $92,985-88.6% | $87,485-87.8% |
| Participation rate | 48.6% | 63.3%-14.6pp | 69.5%-20.8pp | 68.9%-20.3pp |
| Annual return | 15.47% | 23.85%-8.4pp | 27.99%-12.5pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,055 | $1,917-45.0% | $2,662-60.4% | $2,596-59.4% |
| Participant deferral / active EE | $1,591 | $3,364-52.7% | $4,377-63.6% | $4,274-62.8% |
| Admin fee / account holder | $1,962 | $6,137-68.0% | $9,463-79.3% | $7,775-74.8% |