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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 | $16,347 | $80,855-79.8% | $153,416-89.3% | $86,983-81.2% |
| Participation rate | 45.3% | 64.1%-18.8pp | 74.3%-29.0pp | 69.5%-24.2pp |
| Annual return | 18.00% | 16.18%+1.8pp | 17.84%+0.2pp | 25.83%-7.8pp |
| Employer contribution / active EE | $772 | $2,308-66.6% | $3,764-79.5% | $2,584-70.1% |
| Participant deferral / active EE | $1,562 | $3,333-53.1% | $4,723-66.9% | $4,194-62.7% |
| Admin fee / account holder | $1,380 | $6,908-80.0% | $13,095-89.5% | $7,856-82.4% |