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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 | $2,126 | $58,627-96.4% | $76,735-97.2% | $82,448-97.4% |
| Participation rate | 65.5% | 63.2%+2.2pp | 69.5%-4.0pp | 68.1%-2.6pp |
| Annual return | 17.91% | 39.10%-21.2pp | 29.77%-11.9pp | 41.64%-23.7pp |
| Employer contribution / active EE | $472 | $1,729-72.7% | $2,454-80.8% | $2,551-81.5% |
| Participant deferral / active EE | $1,197 | $3,134-61.8% | $4,088-70.7% | $4,139-71.1% |
| Admin fee / account holder | $942 | $5,323-82.3% | $7,189-86.9% | $7,234-87.0% |