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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 | $3,952 | $57,119-93.1% | $85,187-95.4% | $80,935-95.1% |
| Participation rate | 66.7% | 56.4%+10.3pp | 67.5%-0.9pp | 67.7%-1.0pp |
| Annual return | 17.79% | 21.70%-3.9pp | 66.67%-48.9pp | 35.66%-17.9pp |
| Employer contribution / active EE | $1,620 | $1,802-10.1% | $2,732-40.7% | $2,757-41.2% |
| Participant deferral / active EE | $2,126 | $3,115-31.7% | $4,525-53.0% | $4,299-50.6% |
| Admin fee / account holder | $581 | $4,990-88.4% | $6,162-90.6% | $6,924-91.6% |