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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 | $13,505 | $64,734-79.1% | $90,796-85.1% | $64,097-78.9% |
| Participation rate | 25.0% | 53.2%-28.2pp | 69.5%-44.5pp | 55.2%-30.2pp |
| Annual return | 19.82% | 17.77%+2.0pp | 19.29%+0.5pp | 34.64%-14.8pp |
| Employer contribution / active EE | $701 | $1,703-58.8% | $2,294-69.4% | $1,891-62.9% |
| Participant deferral / active EE | $1,430 | $2,629-45.6% | $3,822-62.6% | $3,080-53.6% |
| Admin fee / account holder | $1,747 | $3,474-49.7% | $7,024-75.1% | $3,454-49.4% |