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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 | $11,217 | $70,486-84.1% | $100,528-88.8% | $79,852-86.0% |
| Participation rate | 68.0% | 73.6%-5.6pp | 79.4%-11.4pp | 69.6%-1.6pp |
| Annual return | 13.21% | 21.90%-8.7pp | 30.90%-17.7pp | 31.72%-18.5pp |
| Employer contribution / active EE | $640 | $2,165-70.4% | $3,419-81.3% | $2,471-74.1% |
| Participant deferral / active EE | $2,626 | $5,182-49.3% | $6,271-58.1% | $3,740-29.8% |
| Admin fee / account holder | $739 | $4,480-83.5% | $8,084-90.9% | $5,306-86.1% |