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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 | $1,513 | $36,948-95.9% | $73,658-97.9% | $87,485-98.3% |
| Participation rate | 67.7% | 46.8%+20.9pp | 57.0%+10.7pp | 68.9%-1.2pp |
| Annual return | 14.56% | 28.64%-14.1pp | 29.72%-15.2pp | 26.06%-11.5pp |
| Employer contribution / active EE | $359 | $670-46.4% | $1,032-65.2% | $2,596-86.2% |
| Participant deferral / active EE | $409 | $1,379-70.4% | $2,062-80.2% | $4,274-90.4% |
| Admin fee / account holder | $725 | $2,531-71.3% | $3,357-78.4% | $7,775-90.7% |