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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 | $10,681 | $56,438-81.1% | $76,872-86.1% | $71,511-85.1% |
| Participation rate | 34.1% | 64.3%-30.2pp | 69.6%-35.5pp | 67.9%-33.9pp |
| Annual return | 29.61% | 19.05%+10.6pp | 37.90%-8.3pp | 28.86%+0.8pp |
| Employer contribution / active EE | $917 | $1,864-50.8% | $2,533-63.8% | $2,589-64.6% |
| Participant deferral / active EE | $1,882 | $3,136-40.0% | $3,832-50.9% | $4,291-56.1% |
| Admin fee / account holder | $1,596 | $1,430+11.6% | $5,476-70.9% | $1,588+0.5% |