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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 | $10,985 | $43,075-74.5% | $74,577-85.3% | $62,881-82.5% |
| Participation rate | 59.3% | 58.1%+1.2pp | 68.1%-8.9pp | 69.3%-10.0pp |
| Annual return | 8.53% | 17.50%-9.0pp | 20.47%-11.9pp | 20.14%-11.6pp |
| Employer contribution / active EE | $723 | $1,498-51.7% | $2,525-71.4% | $2,281-68.3% |
| Participant deferral / active EE | $2,011 | $2,389-15.8% | $3,458-41.8% | $3,203-37.2% |
| Admin fee / account holder | $1,348 | $2,840-52.5% | $4,138-67.4% | $4,296-68.6% |