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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 | $13,201 | $53,774-75.5% | $134,162-90.2% | $79,856-83.5% |
| Participation rate | 55.9% | 58.8%-2.9pp | 72.2%-16.3pp | 69.6%-13.8pp |
| Annual return | 23.59% | 19.01%+4.6pp | 36.35%-12.8pp | 31.71%-8.1pp |
| Employer contribution / active EE | $673 | $1,322-49.1% | $3,705-81.8% | $2,471-72.8% |
| Participant deferral / active EE | $1,922 | $2,420-20.6% | $3,500-45.1% | $3,741-48.6% |
| Admin fee / account holder | $443 | $3,985-88.9% | $6,685-93.4% | $5,306-91.7% |