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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 | $2,760 | $36,140-92.4% | $73,658-96.3% | $64,340-95.7% |
| Participation rate | 56.9% | 31.0%+25.9pp | 57.0%-0.2pp | 55.2%+1.6pp |
| Annual return | 19.87% | 21.48%-1.6pp | 29.72%-9.8pp | 24.14%-4.3pp |
| Employer contribution / active EE | $173 | $443-60.9% | $1,032-83.2% | $1,862-90.7% |
| Participant deferral / active EE | $439 | $1,023-57.1% | $2,062-78.7% | $2,980-85.3% |
| Admin fee / account holder | $337 | $2,513-86.6% | $3,357-90.0% | $3,703-90.9% |