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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 | $14,746 | $65,034-77.3% | $90,970-83.8% | $79,856-81.5% |
| Participation rate | 68.4% | 61.6%+6.8pp | 69.0%-0.6pp | 69.6%-1.2pp |
| Annual return | 26.17% | 30.45%-4.3pp | 134.60%-108.4pp | 31.71%-5.5pp |
| Employer contribution / active EE | $655 | $1,247-47.5% | $2,122-69.1% | $2,471-73.5% |
| Participant deferral / active EE | $3,294 | $2,512+31.1% | $3,373-2.3% | $3,741-11.9% |
| Admin fee / account holder | $657 | $4,536-85.5% | $5,961-89.0% | $5,306-87.6% |