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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 | $37,340 | $135,489-72.4% | $146,685-74.5% | - |
| Participation rate | 40.4% | 76.3%-35.9pp | 80.1%-39.7pp | - |
| Annual return | 18.00% | 13.52%+4.5pp | 22.75%-4.7pp | - |
| Employer contribution / active EE | $1,296 | $2,259-42.6% | $4,137-68.7% | - |
| Participant deferral / active EE | $2,710 | $3,661-26.0% | $5,507-50.8% | - |
| Admin fee / account holder | $1,744 | $5,216-66.6% | $10,281-83.0% | - |