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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 | $17,352 | $53,774-67.7% | $134,162-87.1% | $79,856-78.3% |
| Participation rate | 30.5% | 58.8%-28.3pp | 72.2%-41.7pp | 69.6%-39.2pp |
| Annual return | 27.05% | 19.01%+8.0pp | 36.35%-9.3pp | 31.71%-4.7pp |
| Employer contribution / active EE | $677 | $1,322-48.8% | $3,705-81.7% | $2,471-72.6% |
| Participant deferral / active EE | $1,049 | $2,420-56.7% | $3,500-70.0% | $3,741-72.0% |
| Admin fee / account holder | $430 | $3,985-89.2% | $6,685-93.6% | $5,306-91.9% |