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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 | $15,011 | $54,590-72.5% | $81,716-81.6% | $73,493-79.6% |
| Participation rate | 44.6% | 68.3%-23.7pp | 72.0%-27.4pp | 70.7%-26.0pp |
| Annual return | 18.97% | 17.74%+1.2pp | 29.49%-10.5pp | 28.51%-9.5pp |
| Employer contribution / active EE | $886 | $1,636-45.8% | $4,310-79.4% | $2,270-61.0% |
| Participant deferral / active EE | $1,357 | $2,759-50.8% | $7,108-80.9% | $3,740-63.7% |
| Admin fee / account holder | $1,348 | $592+127.6% | $5,159-73.9% | $513+162.6% |