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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 | $14,490 | $97,550-85.1% | $120,344-88.0% | $87,485-83.4% |
| Participation rate | 46.8% | 72.8%-26.0pp | 76.7%-29.9pp | 68.9%-22.1pp |
| Annual return | 27.12% | 18.41%+8.7pp | 20.30%+6.8pp | 26.06%+1.1pp |
| Employer contribution / active EE | $1,054 | $2,291-54.0% | $3,020-65.1% | $2,596-59.4% |
| Participant deferral / active EE | $2,507 | $4,230-40.7% | $5,135-51.2% | $4,274-41.3% |
| Admin fee / account holder | $676 | $9,543-92.9% | $12,742-94.7% | $7,775-91.3% |