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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 | $16,594 | $56,894-70.8% | $84,753-80.4% | $62,881-73.6% |
| Participation rate | 62.7% | 68.5%-5.9pp | 76.6%-13.9pp | 69.3%-6.6pp |
| Annual return | 8.85% | 6.30%+2.5pp | 22.78%-13.9pp | 20.14%-11.3pp |
| Employer contribution / active EE | $812 | $2,400-66.1% | $3,574-77.3% | $2,281-64.4% |
| Participant deferral / active EE | $1,485 | $2,709-45.2% | $3,712-60.0% | $3,203-53.6% |
| Admin fee / account holder | $868 | $3,581-75.8% | $5,333-83.7% | $4,296-79.8% |