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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 | $13,798 | $94,031-85.3% | $115,768-88.1% | $82,448-83.3% |
| Participation rate | 67.6% | 70.4%-2.8pp | 74.4%-6.7pp | 68.1%-0.4pp |
| Annual return | 18.15% | 20.61%-2.5pp | 100.46%-82.3pp | 41.64%-23.5pp |
| Employer contribution / active EE | $693 | $2,323-70.2% | $2,940-76.4% | $2,551-72.8% |
| Participant deferral / active EE | $2,189 | $3,972-44.9% | $4,917-55.5% | $4,139-47.1% |
| Admin fee / account holder | $608 | $10,249-94.1% | $12,439-95.1% | $7,234-91.6% |