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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 | $13,853 | $77,896-82.2% | $134,172-89.7% | $82,448-83.2% |
| Participation rate | 28.9% | 62.8%-33.9pp | 72.5%-43.6pp | 68.1%-39.2pp |
| Annual return | 19.69% | 18.21%+1.5pp | 25.30%-5.6pp | 41.64%-22.0pp |
| Employer contribution / active EE | $794 | $2,159-63.2% | $3,420-76.8% | $2,551-68.9% |
| Participant deferral / active EE | $1,136 | $3,162-64.1% | $4,690-75.8% | $4,139-72.6% |
| Admin fee / account holder | $381 | $6,336-94.0% | $12,016-96.8% | $7,234-94.7% |