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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 | $15,638 | $108,825-85.6% | $156,181-90.0% | $82,448-81.0% |
| Participation rate | 39.6% | 72.4%-32.8pp | 78.8%-39.2pp | 68.1%-28.5pp |
| Annual return | 30.29% | 20.59%+9.7pp | 64.87%-34.6pp | 41.64%-11.4pp |
| Employer contribution / active EE | $897 | $2,870-68.8% | $4,294-79.1% | $2,551-64.8% |
| Participant deferral / active EE | $2,889 | $4,577-36.9% | $6,132-52.9% | $4,139-30.2% |
| Admin fee / account holder | $809 | $9,341-91.3% | $14,586-94.5% | $7,234-88.8% |