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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 | $15,782 | $73,787-78.6% | $98,716-84.0% | $82,448-80.9% |
| Participation rate | 58.6% | 61.4%-2.8pp | 69.3%-10.7pp | 68.1%-9.4pp |
| Annual return | 13.82% | 18.57%-4.7pp | 31.81%-18.0pp | 41.64%-27.8pp |
| Employer contribution / active EE | $694 | $1,511-54.1% | $2,279-69.5% | $2,551-72.8% |
| Participant deferral / active EE | $1,656 | $3,081-46.3% | $4,048-59.1% | $4,139-60.0% |
| Admin fee / account holder | $2,539 | $6,500-60.9% | $8,703-70.8% | $7,234-64.9% |