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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 | $14,039 | $90,400-84.5% | $186,193-92.5% | $87,485-84.0% |
| Participation rate | 45.9% | 66.2%-20.2pp | 77.1%-31.2pp | 68.9%-23.0pp |
| Annual return | 22.52% | 22.15%+0.4pp | 78.03%-55.5pp | 26.06%-3.5pp |
| Employer contribution / active EE | $710 | $2,170-67.3% | $3,918-81.9% | $2,596-72.6% |
| Participant deferral / active EE | $1,762 | $4,330-59.3% | $6,513-72.9% | $4,274-58.8% |
| Admin fee / account holder | $1,428 | $8,673-83.5% | $11,058-87.1% | $7,775-81.6% |