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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 | $11,095 | $56,339-80.3% | $104,301-89.4% | $68,486-83.8% |
| Participation rate | 59.5% | 63.3%-3.8pp | 73.3%-13.8pp | 67.9%-8.4pp |
| Annual return | 17.30% | -9.19%+26.5pp | 24.61%-7.3pp | -7.85%+25.2pp |
| Employer contribution / active EE | $2,030 | $1,960+3.6% | $3,373-39.8% | $2,597-21.8% |
| Participant deferral / active EE | $3,503 | $3,077+13.8% | $4,626-24.3% | $4,028-13.0% |
| Admin fee / account holder | $1,698 | $4,902-65.3% | $7,340-76.9% | $5,404-68.6% |