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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 | $17,134 | $65,034-73.7% | $90,970-81.2% | $79,856-78.5% |
| Participation rate | 56.8% | 61.6%-4.8pp | 69.0%-12.2pp | 69.6%-12.8pp |
| Annual return | 12.36% | 30.45%-18.1pp | 134.60%-122.2pp | 31.71%-19.4pp |
| Employer contribution / active EE | $588 | $1,247-52.8% | $2,122-72.3% | $2,471-76.2% |
| Participant deferral / active EE | $1,698 | $2,512-32.4% | $3,373-49.7% | $3,741-54.6% |
| Admin fee / account holder | $4,286 | $4,536-5.5% | $5,961-28.1% | $5,306-19.2% |