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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 | $6,406 | $56,544-88.7% | $75,501-91.5% | $70,126-90.9% |
| Participation rate | 69.8% | 68.1%+1.7pp | 72.4%-2.6pp | 69.5%+0.2pp |
| Annual return | 14.19% | 23.59%-9.4pp | 27.35%-13.2pp | 73.15%-59.0pp |
| Employer contribution / active EE | $756 | $1,817-58.4% | $2,352-67.9% | $2,343-67.7% |
| Participant deferral / active EE | $1,679 | $2,580-34.9% | $3,142-46.6% | $3,332-49.6% |
| Admin fee / account holder | $3,120 | $3,827-18.5% | $5,801-46.2% | $4,645-32.8% |