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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 | $5,075 | $77,638-93.5% | $156,551-96.8% | $62,881-91.9% |
| Participation rate | 50.6% | 71.2%-20.6pp | 84.0%-33.4pp | 69.3%-18.7pp |
| Annual return | 7.14% | 50.33%-43.2pp | 32.23%-25.1pp | 20.14%-13.0pp |
| Employer contribution / active EE | $604 | $3,444-82.5% | $5,501-89.0% | $2,281-73.5% |
| Participant deferral / active EE | $1,289 | $3,046-57.7% | $4,871-73.5% | $3,203-59.8% |
| Admin fee / account holder | $664 | $5,561-88.1% | $13,028-94.9% | $4,296-84.6% |