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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 | $23,993 | $82,032-70.8% | $123,106-80.5% | $59,633-59.8% |
| Participation rate | 65.2% | 83.2%-18.0pp | 86.8%-21.6pp | 68.7%-3.5pp |
| Annual return | 12.40% | 5.12%+7.3pp | 13.22%-0.8pp | 2041.40%-2029.0pp |
| Employer contribution / active EE | $1,341 | $3,297-59.3% | $5,151-74.0% | $2,203-39.1% |
| Participant deferral / active EE | $2,628 | $4,667-43.7% | $6,229-57.8% | $3,192-17.7% |
| Admin fee / account holder | $460 | $5,881-92.2% | $9,015-94.9% | $4,297-89.3% |