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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 | $13,545 | $86,050-84.3% | $189,758-92.9% | $94,015-85.6% |
| Participation rate | 44.1% | 68.9%-24.8pp | 79.8%-35.7pp | 70.8%-26.7pp |
| Annual return | 20.61% | 17.77%+2.8pp | 52.62%-32.0pp | 17.84%+2.8pp |
| Employer contribution / active EE | $1,530 | $2,819-45.7% | $4,767-67.9% | $2,790-45.2% |
| Participant deferral / active EE | $2,271 | $3,349-32.2% | $5,856-61.2% | $4,249-46.6% |
| Admin fee / account holder | $1,370 | $6,627-79.3% | $20,388-93.3% | $8,951-84.7% |