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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 | $14,882 | $83,898-82.3% | $133,346-88.8% | $94,015-84.2% |
| Participation rate | 54.4% | 63.4%-8.9pp | 72.8%-18.4pp | 70.8%-16.4pp |
| Annual return | 18.20% | 16.00%+2.2pp | 36.85%-18.7pp | 17.84%+0.4pp |
| Employer contribution / active EE | $669 | $1,821-63.2% | $2,853-76.5% | $2,790-76.0% |
| Participant deferral / active EE | $2,067 | $3,245-36.3% | $4,332-52.3% | $4,249-51.3% |
| Admin fee / account holder | $1,401 | $7,809-82.1% | $14,264-90.2% | $8,951-84.3% |