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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 | $13,378 | $76,551-82.5% | $123,894-89.2% | $62,881-78.7% |
| Participation rate | 51.4% | 73.0%-21.6pp | 81.4%-30.1pp | 69.3%-18.0pp |
| Annual return | 10.99% | 18.68%-7.7pp | 47.52%-36.5pp | 20.14%-9.2pp |
| Employer contribution / active EE | $725 | $2,882-74.8% | $4,617-84.3% | $2,281-68.2% |
| Participant deferral / active EE | $3,260 | $4,840-32.6% | $5,984-45.5% | $3,203+1.8% |
| Admin fee / account holder | $689 | $4,826-85.7% | $8,357-91.8% | $4,296-84.0% |