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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 | $14,337 | $76,642-81.3% | $146,866-90.2% | $65,306-78.0% |
| Participation rate | 40.6% | 61.2%-20.6pp | 82.5%-41.9pp | 57.7%-17.1pp |
| Annual return | 26.31% | 33.40%-7.1pp | 102.85%-76.5pp | 21.94%+4.4pp |
| Employer contribution / active EE | $731 | $2,621-72.1% | $4,425-83.5% | $1,967-62.9% |
| Participant deferral / active EE | $1,713 | $4,864-64.8% | $7,759-77.9% | $2,959-42.1% |
| Admin fee / account holder | $1,741 | $3,960-56.0% | $13,620-87.2% | $3,480-50.0% |