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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 | $23,188 | $76,367-69.6% | $93,614-75.2% | $72,983-68.2% |
| Participation rate | 48.9% | 71.7%-22.9pp | 75.8%-26.9pp | 69.5%-20.6pp |
| Annual return | 26.13% | 25.82%+0.3pp | 32.76%-6.6pp | 81.01%-54.9pp |
| Employer contribution / active EE | $942 | $2,275-58.6% | $2,718-65.4% | $2,440-61.4% |
| Participant deferral / active EE | $2,313 | $3,538-34.6% | $4,069-43.2% | $3,608-35.9% |
| Admin fee / account holder | $637 | $6,838-90.7% | $7,889-91.9% | $5,124-87.6% |