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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 | $11,222 | $52,306-78.5% | $69,779-83.9% | $62,881-82.2% |
| Participation rate | 69.8% | 67.2%+2.5pp | 71.8%-2.1pp | 69.3%+0.5pp |
| Annual return | 7.96% | 13.35%-5.4pp | 12.99%-5.0pp | 20.14%-12.2pp |
| Employer contribution / active EE | $1,184 | $1,799-34.2% | $2,338-49.4% | $2,281-48.1% |
| Participant deferral / active EE | $2,534 | $2,395+5.8% | $2,931-13.5% | $3,203-20.9% |
| Admin fee / account holder | $769 | $3,691-79.2% | $4,381-82.4% | $4,296-82.1% |