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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 | $12,085 | $81,487-85.2% | $102,412-88.2% | $80,935-85.1% |
| Participation rate | 56.8% | 66.8%-10.0pp | 74.5%-17.7pp | 67.7%-10.8pp |
| Annual return | 29.32% | 25.60%+3.7pp | 24.94%+4.4pp | 35.66%-6.3pp |
| Employer contribution / active EE | $1,306 | $3,103-57.9% | $3,870-66.2% | $2,757-52.6% |
| Participant deferral / active EE | $2,245 | $3,871-42.0% | $5,060-55.6% | $4,299-47.8% |
| Admin fee / account holder | $987 | $6,717-85.3% | $8,388-88.2% | $6,924-85.7% |