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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 | $16,529 | $57,828-71.4% | $117,039-85.9% | $70,124-76.4% |
| Participation rate | 68.0% | 67.1%+0.9pp | 77.2%-9.2pp | 69.5%-1.5pp |
| Annual return | 18.52% | 17.55%+1.0pp | 18.95%-0.4pp | 73.14%-54.6pp |
| Employer contribution / active EE | $1,249 | $1,816-31.2% | $3,785-67.0% | $2,342-46.7% |
| Participant deferral / active EE | $2,358 | $2,438-3.3% | $3,929-40.0% | $3,332-29.2% |
| Admin fee / account holder | $971 | $3,548-72.6% | $5,974-83.7% | $4,645-79.1% |