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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 | $7,591 | $56,054-86.5% | $171,082-95.6% | $62,881-87.9% |
| Participation rate | 63.6% | 62.9%+0.8pp | 76.7%-13.1pp | 69.3%-5.7pp |
| Annual return | 13.38% | 22.52%-9.1pp | 32.56%-19.2pp | 20.14%-6.8pp |
| Employer contribution / active EE | $1,098 | $1,731-36.6% | $4,002-72.6% | $2,281-51.9% |
| Participant deferral / active EE | $2,418 | $3,158-23.4% | $4,797-49.6% | $3,203-24.5% |
| Admin fee / account holder | $430 | $3,647-88.2% | $8,520-94.9% | $4,296-90.0% |