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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 | $5,139 | $37,446-86.3% | $77,513-93.4% | $79,852-93.6% |
| Participation rate | 55.6% | 41.5%+14.0pp | 54.2%+1.4pp | 69.6%-14.1pp |
| Annual return | 21.83% | 39.76%-17.9pp | 54.81%-33.0pp | 31.72%-9.9pp |
| Employer contribution / active EE | $437 | $637-31.5% | $987-55.8% | $2,471-82.3% |
| Participant deferral / active EE | $843 | $1,261-33.2% | $1,861-54.7% | $3,740-77.5% |
| Admin fee / account holder | $712 | $2,506-71.6% | $2,859-75.1% | $5,306-86.6% |