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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 | $15,466 | $69,590-77.8% | $136,867-88.7% | $94,015-83.5% |
| Participation rate | 42.3% | 66.3%-24.0pp | 74.5%-32.2pp | 70.8%-28.5pp |
| Annual return | 18.23% | 19.62%-1.4pp | 42.97%-24.7pp | 17.84%+0.4pp |
| Employer contribution / active EE | $575 | $2,396-76.0% | $3,547-83.8% | $2,790-79.4% |
| Participant deferral / active EE | $1,306 | $3,437-62.0% | $4,924-73.5% | $4,249-69.3% |
| Admin fee / account holder | $1,576 | $8,912-82.3% | $10,340-84.8% | $8,951-82.4% |