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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 | $8,831 | $56,894-84.5% | $84,753-89.6% | $62,881-86.0% |
| Participation rate | 33.3% | 68.5%-35.2pp | 76.6%-43.3pp | 69.3%-36.0pp |
| Annual return | 9.70% | 6.30%+3.4pp | 22.78%-13.1pp | 20.14%-10.4pp |
| Employer contribution / active EE | $817 | $2,400-66.0% | $3,574-77.1% | $2,281-64.2% |
| Participant deferral / active EE | $1,161 | $2,709-57.1% | $3,712-68.7% | $3,203-63.7% |
| Admin fee / account holder | $1,182 | $3,581-67.0% | $5,333-77.8% | $4,296-72.5% |