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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 | $15,251 | $69,590-78.1% | $136,867-88.9% | $94,015-83.8% |
| Participation rate | 53.9% | 66.3%-12.4pp | 74.5%-20.6pp | 70.8%-16.9pp |
| Annual return | 22.04% | 19.62%+2.4pp | 42.97%-20.9pp | 17.84%+4.2pp |
| Employer contribution / active EE | $305 | $2,396-87.3% | $3,547-91.4% | $2,790-89.1% |
| Participant deferral / active EE | $2,358 | $3,437-31.4% | $4,924-52.1% | $4,249-44.5% |
| Admin fee / account holder | $826 | $8,912-90.7% | $10,340-92.0% | $8,951-90.8% |