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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 | $13,929 | $59,839-76.7% | $81,991-83.0% | $79,852-82.6% |
| Participation rate | 64.0% | 61.6%+2.4pp | 69.3%-5.3pp | 69.6%-5.6pp |
| Annual return | 12.14% | 17.56%-5.4pp | 41.31%-29.2pp | 31.72%-19.6pp |
| Employer contribution / active EE | $764 | $1,713-55.4% | $2,498-69.4% | $2,471-69.1% |
| Participant deferral / active EE | $943 | $2,695-65.0% | $3,722-74.7% | $3,740-74.8% |
| Admin fee / account holder | $1,927 | $4,287-55.0% | $5,665-66.0% | $5,306-63.7% |