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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 | $14,306 | $59,804-76.1% | $81,982-82.5% | $79,856-82.1% |
| Participation rate | 41.3% | 61.6%-20.4pp | 69.3%-28.0pp | 69.6%-28.4pp |
| Annual return | 22.66% | 17.56%+5.1pp | 41.31%-18.7pp | 31.71%-9.1pp |
| Employer contribution / active EE | $844 | $1,713-50.7% | $2,498-66.2% | $2,471-65.8% |
| Participant deferral / active EE | $1,265 | $2,695-53.1% | $3,722-66.0% | $3,741-66.2% |
| Admin fee / account holder | $676 | $4,288-84.2% | $5,665-88.1% | $5,306-87.3% |