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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 | $73,787-82.2% | $98,716-86.7% | $82,448-84.0% |
| Participation rate | 68.3% | 61.4%+6.9pp | 69.3%-1.0pp | 68.1%+0.2pp |
| Annual return | 21.03% | 18.57%+2.5pp | 31.81%-10.8pp | 41.64%-20.6pp |
| Employer contribution / active EE | $778 | $1,511-48.5% | $2,279-65.9% | $2,551-69.5% |
| Participant deferral / active EE | $2,097 | $3,081-31.9% | $4,048-48.2% | $4,139-49.3% |
| Admin fee / account holder | $947 | $6,500-85.4% | $8,703-89.1% | $7,234-86.9% |