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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 | $11,829 | $72,269-83.6% | $101,271-88.3% | $79,852-85.2% |
| Participation rate | 41.5% | 68.5%-27.0pp | 75.8%-34.3pp | 69.6%-28.2pp |
| Annual return | 14.28% | 22.29%-8.0pp | 46.48%-32.2pp | 31.72%-17.4pp |
| Employer contribution / active EE | $726 | $2,692-73.0% | $3,660-80.2% | $2,471-70.6% |
| Participant deferral / active EE | $1,571 | $3,282-52.1% | $4,371-64.1% | $3,740-58.0% |
| Admin fee / account holder | $2,292 | $4,401-47.9% | $5,948-61.5% | $5,306-56.8% |