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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 | $13,170 | $76,834-82.9% | $108,359-87.8% | $87,485-84.9% |
| Participation rate | 68.3% | 61.7%+6.6pp | 70.1%-1.8pp | 68.9%-0.6pp |
| Annual return | 21.03% | 19.09%+1.9pp | 36.89%-15.9pp | 26.06%-5.0pp |
| Employer contribution / active EE | $778 | $1,556-50.0% | $2,399-67.6% | $2,596-70.0% |
| Participant deferral / active EE | $2,097 | $3,100-32.4% | $4,137-49.3% | $4,274-50.9% |
| Admin fee / account holder | $947 | $6,537-85.5% | $9,741-90.3% | $7,775-87.8% |