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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 | $11,573 | $67,894-83.0% | $89,340-87.0% | $82,448-86.0% |
| Participation rate | 66.7% | 64.0%+2.6pp | 69.6%-2.9pp | 68.1%-1.4pp |
| Annual return | 25.52% | 19.21%+6.3pp | 20.57%+4.9pp | 41.64%-16.1pp |
| Employer contribution / active EE | $976 | $1,828-46.6% | $2,231-56.3% | $2,551-61.7% |
| Participant deferral / active EE | $3,151 | $3,072+2.5% | $3,823-17.6% | $4,139-23.9% |
| Admin fee / account holder | $414 | $5,723-92.8% | $6,704-93.8% | $7,234-94.3% |