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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 | $9,638 | $73,787-86.9% | $98,716-90.2% | $82,448-88.3% |
| Participation rate | 60.0% | 61.4%-1.4pp | 69.3%-9.3pp | 68.1%-8.1pp |
| Annual return | 19.80% | 18.57%+1.2pp | 31.81%-12.0pp | 41.64%-21.8pp |
| Employer contribution / active EE | $920 | $1,511-39.1% | $2,279-59.6% | $2,551-63.9% |
| Participant deferral / active EE | $1,443 | $3,081-53.2% | $4,048-64.4% | $4,139-65.1% |
| Admin fee / account holder | $2,188 | $6,500-66.3% | $8,703-74.9% | $7,234-69.8% |