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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 | $10,408 | $55,713-81.3% | $75,901-86.3% | $72,975-85.7% |
| Participation rate | 41.8% | 61.1%-19.3pp | 69.3%-27.5pp | 69.5%-27.7pp |
| Annual return | 20.30% | 27.60%-7.3pp | 30.76%-10.5pp | 81.01%-60.7pp |
| Employer contribution / active EE | $878 | $1,687-47.9% | $2,501-64.9% | $2,440-64.0% |
| Participant deferral / active EE | $1,599 | $2,634-39.3% | $3,603-55.6% | $3,608-55.7% |
| Admin fee / account holder | $1,811 | $3,980-54.5% | $5,420-66.6% | $5,124-64.7% |