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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 | $17,403 | $62,672-72.2% | $185,117-90.6% | $70,126-75.2% |
| Participation rate | 53.6% | 63.8%-10.2pp | 77.3%-23.7pp | 69.5%-16.0pp |
| Annual return | 26.94% | 40.79%-13.8pp | 40.50%-13.6pp | 73.15%-46.2pp |
| Employer contribution / active EE | $332 | $1,753-81.0% | $4,182-92.1% | $2,343-85.8% |
| Participant deferral / active EE | $1,374 | $3,272-58.0% | $5,045-72.8% | $3,332-58.8% |
| Admin fee / account holder | $628 | $3,932-84.0% | $8,159-92.3% | $4,645-86.5% |