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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 | $12,679 | $124,980-89.9% | $108,359-88.3% | $154,746-91.8% |
| Participation rate | 50.0% | 75.2%-25.2pp | 70.1%-20.1pp | 80.7%-30.7pp |
| Annual return | 26.03% | 45.00%-19.0pp | 36.89%-10.9pp | 172.34%-146.3pp |
| Employer contribution / active EE | $2,056 | $2,851-27.9% | $2,399-14.3% | $4,379-53.0% |
| Participant deferral / active EE | $3,743 | $4,743-21.1% | $4,137-9.5% | $6,730-44.4% |
| Admin fee / account holder | $1,887 | $11,502-83.6% | $9,741-80.6% | $14,365-86.9% |