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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 | $12,185 | $73,787-83.5% | $98,716-87.7% | $82,448-85.2% |
| Participation rate | 57.1% | 61.4%-4.3pp | 69.3%-12.2pp | 68.1%-10.9pp |
| Annual return | 25.40% | 18.57%+6.8pp | 31.81%-6.4pp | 41.64%-16.2pp |
| Employer contribution / active EE | $597 | $1,511-60.5% | $2,279-73.8% | $2,551-76.6% |
| Participant deferral / active EE | $2,183 | $3,081-29.1% | $4,048-46.1% | $4,139-47.3% |
| Admin fee / account holder | $1,653 | $6,500-74.6% | $8,703-81.0% | $7,234-77.2% |