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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 | $14,394 | $93,617-84.6% | $135,982-89.4% | $75,177-80.9% |
| Participation rate | 67.6% | 75.2%-7.6pp | 81.9%-14.4pp | 67.2%+0.4pp |
| Annual return | 21.73% | 30.89%-9.2pp | 68.32%-46.6pp | 160.75%-139.0pp |
| Employer contribution / active EE | $1,052 | $3,538-70.3% | $4,859-78.3% | $2,671-60.6% |
| Participant deferral / active EE | $2,855 | $6,406-55.4% | $7,760-63.2% | $4,126-30.8% |
| Admin fee / account holder | $607 | $6,980-91.3% | $10,767-94.4% | $5,651-89.3% |