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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 | $10,841 | $54,541-80.1% | $78,778-86.2% | $70,126-84.5% |
| Participation rate | 66.7% | 60.8%+5.9pp | 69.2%-2.5pp | 69.5%-2.9pp |
| Annual return | 44.83% | 21.07%+23.8pp | 35.62%+9.2pp | 73.15%-28.3pp |
| Employer contribution / active EE | $883 | $1,089-18.8% | $1,986-55.5% | $2,343-62.3% |
| Participant deferral / active EE | $1,922 | $2,210-13.1% | $2,958-35.0% | $3,332-42.3% |
| Admin fee / account holder | $611 | $3,709-83.5% | $5,134-88.1% | $4,645-86.8% |