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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 | $11,316 | $54,368-79.2% | $117,039-90.3% | $62,293-81.8% |
| Participation rate | 39.0% | 64.9%-25.9pp | 77.2%-38.2pp | 69.5%-30.5pp |
| Annual return | 33.68% | 21.77%+11.9pp | 18.95%+14.7pp | 28.90%+4.8pp |
| Employer contribution / active EE | $707 | $1,692-58.2% | $3,785-81.3% | $2,042-65.4% |
| Participant deferral / active EE | $1,256 | $2,269-44.6% | $3,929-68.0% | $3,169-60.4% |
| Admin fee / account holder | $858 | $493+73.9% | $5,974-85.6% | $479+79.0% |