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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 | $9,852 | $59,804-83.5% | $81,982-88.0% | $79,856-87.7% |
| Participation rate | 35.8% | 61.6%-25.8pp | 69.3%-33.4pp | 69.6%-33.8pp |
| Annual return | 50.18% | 17.56%+32.6pp | 41.31%+8.9pp | 31.71%+18.5pp |
| Employer contribution / active EE | $681 | $1,713-60.3% | $2,498-72.7% | $2,471-72.4% |
| Participant deferral / active EE | $1,459 | $2,695-45.9% | $3,722-60.8% | $3,741-61.0% |
| Admin fee / account holder | $1,560 | $4,288-63.6% | $5,665-72.5% | $5,306-70.6% |