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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 | $11,708 | $69,590-83.2% | $136,867-91.4% | $94,015-87.5% |
| Participation rate | 69.4% | 66.3%+3.1pp | 74.5%-5.1pp | 70.8%-1.4pp |
| Annual return | 15.14% | 19.62%-4.5pp | 42.97%-27.8pp | 17.84%-2.7pp |
| Employer contribution / active EE | $468 | $2,396-80.5% | $3,547-86.8% | $2,790-83.2% |
| Participant deferral / active EE | $1,847 | $3,437-46.2% | $4,924-62.5% | $4,249-56.5% |
| Admin fee / account holder | $1,088 | $8,912-87.8% | $10,340-89.5% | $8,951-87.9% |