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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 | $16,885 | $62,586-73.0% | $76,766-78.0% | $64,181-73.7% |
| Participation rate | 63.3% | 72.8%-9.5pp | 77.0%-13.6pp | 69.6%-6.2pp |
| Annual return | 128.78% | -1.95%+130.7pp | 2.43%+126.3pp | 7.63%+121.1pp |
| Employer contribution / active EE | $802 | $1,832-56.2% | $2,485-67.7% | $2,381-66.3% |
| Participant deferral / active EE | $1,811 | $3,145-42.4% | $3,851-53.0% | $3,470-47.8% |
| Admin fee / account holder | $592 | $4,667-87.3% | $6,675-91.1% | $4,887-87.9% |