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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 | $15,787 | $57,828-72.7% | $117,039-86.5% | $70,126-77.5% |
| Participation rate | 42.3% | 67.1%-24.8pp | 77.2%-34.9pp | 69.5%-27.2pp |
| Annual return | 22.99% | 17.55%+5.4pp | 18.95%+4.0pp | 73.15%-50.2pp |
| Employer contribution / active EE | $897 | $1,816-50.6% | $3,785-76.3% | $2,343-61.7% |
| Participant deferral / active EE | $992 | $2,438-59.3% | $3,929-74.7% | $3,332-70.2% |
| Admin fee / account holder | $503 | $3,548-85.8% | $5,974-91.6% | $4,645-89.2% |