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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 | $7,722 | $43,075-82.1% | $74,577-89.6% | $62,881-87.7% |
| Participation rate | 35.9% | 58.1%-22.2pp | 68.1%-32.2pp | 69.3%-33.4pp |
| Annual return | 14.86% | 17.50%-2.6pp | 20.47%-5.6pp | 20.14%-5.3pp |
| Employer contribution / active EE | $970 | $1,498-35.3% | $2,525-61.6% | $2,281-57.5% |
| Participant deferral / active EE | $1,715 | $2,389-28.2% | $3,458-50.4% | $3,203-46.5% |
| Admin fee / account holder | $926 | $2,840-67.4% | $4,138-77.6% | $4,296-78.4% |