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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 | $15,998 | $62,086-74.2% | $90,259-82.3% | $64,340-75.1% |
| Participation rate | 25.5% | 53.9%-28.4pp | 70.7%-45.3pp | 55.2%-29.8pp |
| Annual return | 22.66% | 16.73%+5.9pp | 18.88%+3.8pp | 24.14%-1.5pp |
| Employer contribution / active EE | $567 | $1,883-69.9% | $2,291-75.3% | $1,862-69.6% |
| Participant deferral / active EE | $1,167 | $2,557-54.3% | $3,827-69.5% | $2,980-60.8% |
| Admin fee / account holder | $5,004 | $3,317+50.8% | $7,267-31.1% | $3,703+35.1% |