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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 | $12,193 | $56,894-78.6% | $84,753-85.6% | $62,881-80.6% |
| Participation rate | 54.2% | 68.5%-14.3pp | 76.6%-22.4pp | 69.3%-15.1pp |
| Annual return | 5.85% | 6.30%-0.5pp | 22.78%-16.9pp | 20.14%-14.3pp |
| Employer contribution / active EE | $1,359 | $2,400-43.4% | $3,574-62.0% | $2,281-40.4% |
| Participant deferral / active EE | $2,202 | $2,709-18.7% | $3,712-40.7% | $3,203-31.2% |
| Admin fee / account holder | $856 | $3,581-76.1% | $5,333-83.9% | $4,296-80.1% |