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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 | $14,027 | $71,230-80.3% | $93,727-85.0% | $80,959-82.7% |
| Participation rate | 65.3% | 60.4%+4.9pp | 68.7%-3.4pp | 67.7%-2.4pp |
| Annual return | 13.56% | 11.26%+2.3pp | 133.83%-120.3pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,078 | $1,565-31.1% | $2,421-55.5% | $2,757-60.9% |
| Participant deferral / active EE | $1,675 | $4,037-58.5% | $4,417-62.1% | $4,300-61.0% |
| Admin fee / account holder | $339 | $6,961-95.1% | $8,292-95.9% | $6,925-95.1% |