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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 | $15,353 | $56,894-73.0% | $84,753-81.9% | $62,881-75.6% |
| Participation rate | 60.5% | 68.5%-8.0pp | 76.6%-16.1pp | 69.3%-8.8pp |
| Annual return | 8.97% | 6.30%+2.7pp | 22.78%-13.8pp | 20.14%-11.2pp |
| Employer contribution / active EE | $704 | $2,400-70.6% | $3,574-80.3% | $2,281-69.1% |
| Participant deferral / active EE | $1,995 | $2,709-26.3% | $3,712-46.2% | $3,203-37.7% |
| Admin fee / account holder | $327 | $3,581-90.9% | $5,333-93.9% | $4,296-92.4% |