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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 | $7,893 | $81,487-90.3% | $102,412-92.3% | $80,935-90.2% |
| Participation rate | 68.0% | 66.8%+1.2pp | 74.5%-6.5pp | 67.7%+0.3pp |
| Annual return | 13.08% | 25.60%-12.5pp | 24.94%-11.9pp | 35.66%-22.6pp |
| Employer contribution / active EE | $1,253 | $3,103-59.6% | $3,870-67.6% | $2,757-54.6% |
| Participant deferral / active EE | $2,420 | $3,871-37.5% | $5,060-52.2% | $4,299-43.7% |
| Admin fee / account holder | $1,664 | $6,717-75.2% | $8,388-80.2% | $6,924-76.0% |