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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 | $13,338 | $56,894-76.6% | $84,753-84.3% | $62,881-78.8% |
| Participation rate | 26.2% | 68.5%-42.3pp | 76.6%-50.4pp | 69.3%-43.1pp |
| Annual return | 13.29% | 6.30%+7.0pp | 22.78%-9.5pp | 20.14%-6.9pp |
| Employer contribution / active EE | $963 | $2,400-59.9% | $3,574-73.1% | $2,281-57.8% |
| Participant deferral / active EE | $1,496 | $2,709-44.8% | $3,712-59.7% | $3,203-53.3% |
| Admin fee / account holder | $493 | $3,581-86.2% | $5,333-90.8% | $4,296-88.5% |