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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 | $11,751 | $49,025-76.0% | $87,502-86.6% | $62,881-81.3% |
| Participation rate | 65.2% | 64.9%+0.3pp | 73.8%-8.6pp | 69.3%-4.1pp |
| Annual return | 9.70% | 10.02%-0.3pp | 12.21%-2.5pp | 20.14%-10.4pp |
| Employer contribution / active EE | $988 | $1,372-28.0% | $2,550-61.3% | $2,281-56.7% |
| Participant deferral / active EE | $1,752 | $2,289-23.5% | $3,149-44.4% | $3,203-45.3% |
| Admin fee / account holder | $3,136 | $4,065-22.9% | $4,221-25.7% | $4,296-27.0% |