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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 | $10,515 | $63,845-83.5% | $81,370-87.1% | $80,959-87.0% |
| Participation rate | 67.3% | 63.9%+3.4pp | 69.5%-2.2pp | 67.7%-0.4pp |
| Annual return | 49.23% | 16.37%+32.9pp | 24.85%+24.4pp | 35.67%+13.6pp |
| Employer contribution / active EE | $601 | $1,980-69.6% | $2,464-75.6% | $2,757-78.2% |
| Participant deferral / active EE | $2,413 | $3,093-22.0% | $3,885-37.9% | $4,300-43.9% |
| Admin fee / account holder | $556 | $5,688-90.2% | $5,749-90.3% | $6,925-92.0% |