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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 | $14,389 | $51,466-72.0% | $78,778-81.7% | $62,293-76.9% |
| Participation rate | 61.9% | 59.8%+2.1pp | 69.2%-7.3pp | 69.5%-7.6pp |
| Annual return | 16.95% | 19.96%-3.0pp | 35.62%-18.7pp | 28.90%-11.9pp |
| Employer contribution / active EE | $1,324 | $827+60.0% | $1,986-33.3% | $2,042-35.2% |
| Participant deferral / active EE | $1,945 | $2,147-9.4% | $2,958-34.2% | $3,169-38.6% |
| Admin fee / account holder | $4,316 | $489+782.1% | $5,134-15.9% | $479+800.5% |