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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 | $17,834 | $48,364-63.1% | $71,796-75.2% | $62,881-71.6% |
| Participation rate | 62.1% | 60.6%+1.5pp | 69.1%-7.0pp | 69.3%-7.2pp |
| Annual return | 19.01% | 13.16%+5.8pp | 78.04%-59.0pp | 20.14%-1.1pp |
| Employer contribution / active EE | $606 | $1,042-41.8% | $1,924-68.5% | $2,281-73.4% |
| Participant deferral / active EE | $1,503 | $2,091-28.1% | $2,794-46.2% | $3,203-53.1% |
| Admin fee / account holder | $337 | $3,771-91.1% | $4,815-93.0% | $4,296-92.2% |