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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 | $6,715 | $67,894-90.1% | $89,340-92.5% | $82,448-91.9% |
| Participation rate | 69.2% | 64.0%+5.2pp | 69.6%-0.3pp | 68.1%+1.2pp |
| Annual return | 24.59% | 19.21%+5.4pp | 20.57%+4.0pp | 41.64%-17.1pp |
| Employer contribution / active EE | $797 | $1,828-56.4% | $2,231-64.3% | $2,551-68.8% |
| Participant deferral / active EE | $1,266 | $3,072-58.8% | $3,823-66.9% | $4,139-69.4% |
| Admin fee / account holder | $402 | $5,723-93.0% | $6,704-94.0% | $7,234-94.4% |