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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 | $13,523 | $52,580-74.3% | $71,671-81.1% | $70,126-80.7% |
| Participation rate | 45.2% | 60.9%-15.6pp | 68.7%-23.5pp | 69.5%-24.3pp |
| Annual return | 13.70% | 20.25%-6.5pp | 20.65%-6.9pp | 73.15%-59.4pp |
| Employer contribution / active EE | $775 | $1,616-52.1% | $2,460-68.5% | $2,343-66.9% |
| Participant deferral / active EE | $1,112 | $2,386-53.4% | $3,438-67.7% | $3,332-66.6% |
| Admin fee / account holder | $541 | $3,653-85.2% | $5,558-90.3% | $4,645-88.3% |