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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 | $10,175 | $62,132-83.6% | $185,835-94.5% | $73,493-86.2% |
| Participation rate | 47.0% | 67.8%-20.8pp | 78.0%-31.0pp | 70.7%-23.7pp |
| Annual return | 23.20% | 20.44%+2.8pp | 35.96%-12.8pp | 28.51%-5.3pp |
| Employer contribution / active EE | $461 | $1,681-72.6% | $4,087-88.7% | $2,270-79.7% |
| Participant deferral / active EE | $1,732 | $3,711-53.3% | $5,633-69.3% | $3,740-53.7% |
| Admin fee / account holder | $546 | $419+30.4% | $9,502-94.3% | $513+6.5% |