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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 | $13,042 | $65,041-79.9% | $90,965-85.7% | $79,858-83.7% |
| Participation rate | 40.0% | 61.6%-21.6pp | 69.0%-29.0pp | 69.6%-29.6pp |
| Annual return | 36.66% | 30.45%+6.2pp | 134.57%-97.9pp | 31.72%+4.9pp |
| Employer contribution / active EE | $825 | $1,247-33.8% | $2,122-61.1% | $2,471-66.6% |
| Participant deferral / active EE | $2,468 | $2,512-1.8% | $3,373-26.8% | $3,740-34.0% |
| Admin fee / account holder | $914 | $4,536-79.9% | $5,960-84.7% | $5,306-82.8% |