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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 | $13,757 | $51,092-73.1% | $76,735-82.1% | $79,634-82.7% |
| Participation rate | 52.0% | 50.2%+1.7pp | 69.5%-17.5pp | 62.5%-10.5pp |
| Annual return | 23.72% | 18.04%+5.7pp | 29.77%-6.0pp | 36.46%-12.7pp |
| Employer contribution / active EE | $456 | $1,519-70.0% | $2,454-81.4% | $2,529-82.0% |
| Participant deferral / active EE | $2,701 | $2,529+6.8% | $4,088-33.9% | $3,835-29.6% |
| Admin fee / account holder | $3,809 | $1,865+104.2% | $7,189-47.0% | $1,002+280.2% |