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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 | $13,052 | $64,359-79.7% | $90,161-85.5% | $70,126-81.4% |
| Participation rate | 58.6% | 70.4%-11.8pp | 76.9%-18.3pp | 69.5%-10.9pp |
| Annual return | 33.63% | 28.13%+5.5pp | 34.89%-1.3pp | 73.15%-39.5pp |
| Employer contribution / active EE | $2,392 | $2,046+16.9% | $3,318-27.9% | $2,343+2.1% |
| Participant deferral / active EE | $3,626 | $4,389-17.4% | $5,287-31.4% | $3,332+8.8% |
| Admin fee / account holder | $1,941 | $3,945-50.8% | $5,943-67.3% | $4,645-58.2% |