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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 | $13,720 | $91,179-85.0% | $178,499-92.3% | $79,852-82.8% |
| Participation rate | 59.0% | 69.2%-10.2pp | 81.9%-23.0pp | 69.6%-10.7pp |
| Annual return | 23.87% | 24.19%-0.3pp | 151.10%-127.2pp | 31.72%-7.8pp |
| Employer contribution / active EE | $739 | $3,256-77.3% | $5,011-85.3% | $2,471-70.1% |
| Participant deferral / active EE | $2,597 | $3,236-19.7% | $5,202-50.1% | $3,740-30.6% |
| Admin fee / account holder | $2,523 | $6,749-62.6% | $13,986-82.0% | $5,306-52.5% |