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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 | $5,997 | $41,377-85.5% | $109,313-94.5% | $62,881-90.5% |
| Participation rate | 31.6% | 57.5%-26.0pp | 71.3%-39.7pp | 69.3%-37.7pp |
| Annual return | 13.82% | 11.05%+2.8pp | 22.07%-8.2pp | 20.14%-6.3pp |
| Employer contribution / active EE | $447 | $1,276-65.0% | $3,892-88.5% | $2,281-80.4% |
| Participant deferral / active EE | $762 | $2,045-62.7% | $3,166-75.9% | $3,203-76.2% |
| Admin fee / account holder | $316 | $2,884-89.0% | $5,666-94.4% | $4,296-92.6% |