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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 | $12,542 | $63,845-80.4% | $81,370-84.6% | $80,959-84.5% |
| Participation rate | 68.8% | 63.9%+4.9pp | 69.5%-0.8pp | 67.7%+1.1pp |
| Annual return | 14.78% | 16.37%-1.6pp | 24.85%-10.1pp | 35.67%-20.9pp |
| Employer contribution / active EE | $910 | $1,980-54.0% | $2,464-63.1% | $2,757-67.0% |
| Participant deferral / active EE | $1,474 | $3,093-52.3% | $3,885-62.1% | $4,300-65.7% |
| Admin fee / account holder | $2,749 | $5,688-51.7% | $5,749-52.2% | $6,925-60.3% |