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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 | $7,501 | $47,848-84.3% | $81,473-90.8% | $70,124-89.3% |
| Participation rate | 60.2% | 58.3%+2.0pp | 68.0%-7.7pp | 69.5%-9.3pp |
| Annual return | 23.16% | 27.25%-4.1pp | 38.78%-15.6pp | 73.14%-50.0pp |
| Employer contribution / active EE | $656 | $1,527-57.1% | $2,568-74.5% | $2,342-72.0% |
| Participant deferral / active EE | $1,983 | $2,453-19.2% | $3,537-43.9% | $3,332-40.5% |
| Admin fee / account holder | $936 | $3,145-70.2% | $4,561-79.5% | $4,645-79.8% |