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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 | $14,573 | $64,890-77.5% | $134,172-89.1% | $67,986-78.6% |
| Participation rate | 29.0% | 48.5%-19.6pp | 72.5%-43.5pp | 57.2%-28.2pp |
| Annual return | 29.20% | 16.12%+13.1pp | 25.30%+3.9pp | 31.67%-2.5pp |
| Employer contribution / active EE | $957 | $1,360-29.6% | $3,420-72.0% | $2,019-52.6% |
| Participant deferral / active EE | $1,374 | $2,289-39.9% | $4,690-70.7% | $3,358-59.1% |
| Admin fee / account holder | $1,778 | $3,140-43.4% | $12,016-85.2% | $3,203-44.5% |