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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 | $64,010-79.2% | $108,359-87.7% | $64,340-79.3% |
| Participation rate | 50.4% | 49.4%+1.1pp | 70.1%-19.7pp | 55.2%-4.8pp |
| Annual return | 15.77% | 19.74%-4.0pp | 36.89%-21.1pp | 24.14%-8.4pp |
| Employer contribution / active EE | $739 | $1,029-28.1% | $2,399-69.2% | $1,862-60.3% |
| Participant deferral / active EE | $1,468 | $2,395-38.7% | $4,137-64.5% | $2,980-50.7% |
| Admin fee / account holder | $3,652 | $4,885-25.2% | $9,741-62.5% | $3,703-1.4% |