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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 | $14,479 | $54,541-73.5% | $78,778-81.6% | $70,126-79.4% |
| Participation rate | 64.7% | 60.8%+3.9pp | 69.2%-4.5pp | 69.5%-4.8pp |
| Annual return | 21.74% | 21.07%+0.7pp | 35.62%-13.9pp | 73.15%-51.4pp |
| Employer contribution / active EE | $642 | $1,089-41.0% | $1,986-67.7% | $2,343-72.6% |
| Participant deferral / active EE | $1,909 | $2,210-13.6% | $2,958-35.5% | $3,332-42.7% |
| Admin fee / account holder | $308 | $3,709-91.7% | $5,134-94.0% | $4,645-93.4% |