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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 | $13,918 | $54,541-74.5% | $78,778-82.3% | $70,124-80.2% |
| Participation rate | 64.9% | 60.8%+4.1pp | 69.2%-4.3pp | 69.5%-4.7pp |
| Annual return | 16.74% | 21.07%-4.3pp | 35.62%-18.9pp | 73.14%-56.4pp |
| Employer contribution / active EE | $960 | $1,089-11.8% | $1,986-51.6% | $2,342-59.0% |
| Participant deferral / active EE | $2,501 | $2,210+13.2% | $2,958-15.5% | $3,332-24.9% |
| Admin fee / account holder | $461 | $3,709-87.6% | $5,134-91.0% | $4,645-90.1% |