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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 | $15,366 | $83,485-81.6% | $125,192-87.7% | $72,975-78.9% |
| Participation rate | 61.3% | 73.3%-12.0pp | 79.8%-18.5pp | 69.5%-8.2pp |
| Annual return | 26.64% | 25.77%+0.9pp | 43.79%-17.1pp | 81.01%-54.4pp |
| Employer contribution / active EE | $718 | $2,346-69.4% | $3,866-81.4% | $2,440-70.6% |
| Participant deferral / active EE | $1,712 | $3,586-52.3% | $4,937-65.3% | $3,608-52.5% |
| Admin fee / account holder | $536 | $5,518-90.3% | $9,704-94.5% | $5,124-89.5% |