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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 | $10,344 | $93,064-88.9% | $74,577-86.1% | $273,972-96.2% |
| Participation rate | 63.2% | 74.9%-11.8pp | 68.1%-5.0pp | 83.0%-19.9pp |
| Annual return | 4.02% | 26.18%-22.2pp | 20.47%-16.4pp | 41.46%-37.4pp |
| Employer contribution / active EE | $7,319 | $3,160+131.6% | $2,525+189.8% | $4,869+50.3% |
| Participant deferral / active EE | $0 | $4,160-100.0% | $3,458-100.0% | $5,287-100.0% |
| Admin fee / account holder | $9,302 | $5,273+76.4% | $4,138+124.8% | $10,133-8.2% |