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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 | $4,001 | $58,523-93.2% | $99,475-96.0% | $72,975-94.5% |
| Participation rate | 66.3% | 64.6%+1.7pp | 73.8%-7.6pp | 69.5%-3.2pp |
| Annual return | 25.11% | 28.51%-3.4pp | 30.72%-5.6pp | 81.01%-55.9pp |
| Employer contribution / active EE | $738 | $1,512-51.2% | $2,540-71.0% | $2,440-69.8% |
| Participant deferral / active EE | $1,697 | $2,606-34.9% | $3,619-53.1% | $3,608-53.0% |
| Admin fee / account holder | $703 | $4,102-82.9% | $6,252-88.8% | $5,124-86.3% |