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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 | $9,939 | $43,075-76.9% | $74,577-86.7% | $62,881-84.2% |
| Participation rate | 42.2% | 58.1%-15.8pp | 68.1%-25.9pp | 69.3%-27.1pp |
| Annual return | 12.76% | 17.50%-4.7pp | 20.47%-7.7pp | 20.14%-7.4pp |
| Employer contribution / active EE | $679 | $1,498-54.6% | $2,525-73.1% | $2,281-70.2% |
| Participant deferral / active EE | $1,561 | $2,389-34.7% | $3,458-54.9% | $3,203-51.3% |
| Admin fee / account holder | $665 | $2,840-76.6% | $4,138-83.9% | $4,296-84.5% |