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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 | $17,838 | $58,851-69.7% | $115,170-84.5% | $72,975-75.6% |
| Participation rate | 40.7% | 65.5%-24.8pp | 75.9%-35.2pp | 69.5%-28.7pp |
| Annual return | 29.79% | 23.16%+6.6pp | 35.60%-5.8pp | 81.01%-51.2pp |
| Employer contribution / active EE | $815 | $1,798-54.7% | $3,179-74.4% | $2,440-66.6% |
| Participant deferral / active EE | $1,392 | $2,643-47.3% | $4,169-66.6% | $3,608-61.4% |
| Admin fee / account holder | $1,001 | $6,370-84.3% | $7,089-85.9% | $5,124-80.5% |