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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 | $10,069 | $54,757-81.6% | $90,304-88.9% | $72,975-86.2% |
| Participation rate | 59.6% | 65.2%-5.6pp | 73.3%-13.7pp | 69.5%-9.9pp |
| Annual return | 23.56% | 30.63%-7.1pp | 78.13%-54.6pp | 81.01%-57.5pp |
| Employer contribution / active EE | $622 | $2,093-70.3% | $2,855-78.2% | $2,440-74.5% |
| Participant deferral / active EE | $1,507 | $2,887-47.8% | $3,885-61.2% | $3,608-58.2% |
| Admin fee / account holder | $490 | $3,973-87.7% | $5,354-90.8% | $5,124-90.4% |