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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 | $17,233 | $62,672-72.5% | $185,117-90.7% | $70,124-75.4% |
| Participation rate | 69.6% | 63.8%+5.9pp | 77.3%-7.6pp | 69.5%+0.1pp |
| Annual return | 14.41% | 40.79%-26.4pp | 40.50%-26.1pp | 73.14%-58.7pp |
| Employer contribution / active EE | $2,089 | $1,753+19.1% | $4,182-50.0% | $2,342-10.8% |
| Participant deferral / active EE | $1,722 | $3,272-47.3% | $5,045-65.9% | $3,332-48.3% |
| Admin fee / account holder | $596 | $3,932-84.9% | $8,159-92.7% | $4,645-87.2% |