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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 | $11,008 | $81,487-86.5% | $102,412-89.3% | $80,935-86.4% |
| Participation rate | 68.5% | 66.8%+1.7pp | 74.5%-6.0pp | 67.7%+0.9pp |
| Annual return | 14.41% | 25.60%-11.2pp | 24.94%-10.5pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,723 | $3,103-44.5% | $3,870-55.5% | $2,757-37.5% |
| Participant deferral / active EE | $2,501 | $3,871-35.4% | $5,060-50.6% | $4,299-41.8% |
| Admin fee / account holder | $2,389 | $6,717-64.4% | $8,388-71.5% | $6,924-65.5% |