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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 | $13,306 | $63,456-79.0% | $100,712-86.8% | $64,097-79.2% |
| Participation rate | 50.4% | 49.7%+0.8pp | 69.3%-18.8pp | 55.2%-4.8pp |
| Annual return | 15.77% | 19.65%-3.9pp | 33.27%-17.5pp | 34.64%-18.9pp |
| Employer contribution / active EE | $739 | $1,003-26.2% | $2,313-68.0% | $1,891-60.9% |
| Participant deferral / active EE | $1,468 | $2,463-40.4% | $4,085-64.1% | $3,080-52.3% |
| Admin fee / account holder | $3,652 | $4,808-24.0% | $9,256-60.5% | $3,454+5.7% |