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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 | $12,136 | $81,487-85.1% | $102,412-88.1% | $80,935-85.0% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 15.34% | 25.60%-10.3pp | 24.94%-9.6pp | 35.66%-20.3pp |
| Employer contribution / active EE | $1,055 | $3,103-66.0% | $3,870-72.7% | $2,757-61.7% |
| Participant deferral / active EE | $1,997 | $3,871-48.4% | $5,060-60.5% | $4,299-53.5% |
| Admin fee / account holder | $2,318 | $6,717-65.5% | $8,388-72.4% | $6,924-66.5% |