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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 | $15,035 | $58,523-74.3% | $99,479-84.9% | $72,976-79.4% |
| Participation rate | 59.8% | 64.6%-4.8pp | 73.8%-14.0pp | 69.5%-9.7pp |
| Annual return | 46.99% | 28.51%+18.5pp | 30.72%+16.3pp | 81.02%-34.0pp |
| Employer contribution / active EE | $560 | $1,512-63.0% | $2,540-78.0% | $2,440-77.1% |
| Participant deferral / active EE | $4,141 | $2,606+58.9% | $3,619+14.4% | $3,608+14.8% |
| Admin fee / account holder | $933 | $4,102-77.3% | $6,253-85.1% | $5,124-81.8% |