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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 | $10,324 | $59,123-82.5% | $77,183-86.6% | $75,181-86.3% |
| Participation rate | 41.3% | 63.9%-22.6pp | 69.6%-28.3pp | 67.2%-25.9pp |
| Annual return | 31.86% | 26.72%+5.1pp | 37.89%-6.0pp | 160.69%-128.8pp |
| Employer contribution / active EE | $811 | $1,996-59.4% | $2,534-68.0% | $2,671-69.6% |
| Participant deferral / active EE | $1,434 | $2,999-52.2% | $3,833-62.6% | $4,126-65.2% |
| Admin fee / account holder | $322 | $4,776-93.3% | $5,475-94.1% | $5,650-94.3% |