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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 | $13,132 | $76,696-82.9% | $96,538-86.4% | $71,529-81.6% |
| Participation rate | 49.2% | 66.6%-17.4pp | 74.3%-25.2pp | 67.9%-18.7pp |
| Annual return | 35.34% | 48.32%-13.0pp | 35.74%-0.4pp | 28.97%+6.4pp |
| Employer contribution / active EE | $790 | $3,032-73.9% | $3,740-78.9% | $2,590-69.5% |
| Participant deferral / active EE | $3,631 | $3,770-3.7% | $4,880-25.6% | $4,291-15.4% |
| Admin fee / account holder | $911 | $2,030-55.1% | $6,737-86.5% | $1,588-42.6% |