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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 | $14,852 | $86,050-82.7% | $189,758-92.2% | $94,015-84.2% |
| Participation rate | 51.9% | 68.9%-17.0pp | 79.8%-27.9pp | 70.8%-19.0pp |
| Annual return | 18.56% | 17.77%+0.8pp | 52.62%-34.1pp | 17.84%+0.7pp |
| Employer contribution / active EE | $498 | $2,819-82.4% | $4,767-89.6% | $2,790-82.2% |
| Participant deferral / active EE | $2,572 | $3,349-23.2% | $5,856-56.1% | $4,249-39.5% |
| Admin fee / account holder | $822 | $6,627-87.6% | $20,388-96.0% | $8,951-90.8% |