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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 | $76,834-84.1% | $108,359-88.8% | $87,485-86.1% |
| Participation rate | 57.1% | 61.7%-4.6pp | 70.1%-13.0pp | 68.9%-11.8pp |
| Annual return | 25.40% | 19.09%+6.3pp | 36.89%-11.5pp | 26.06%-0.7pp |
| Employer contribution / active EE | $597 | $1,556-61.7% | $2,399-75.1% | $2,596-77.0% |
| Participant deferral / active EE | $2,183 | $3,100-29.6% | $4,137-47.2% | $4,274-48.9% |
| Admin fee / account holder | $1,653 | $6,537-74.7% | $9,741-83.0% | $7,775-78.7% |