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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 | $5,032 | $56,894-91.2% | $84,753-94.1% | $62,881-92.0% |
| Participation rate | 54.5% | 68.5%-14.0pp | 76.6%-22.0pp | 69.3%-14.8pp |
| Annual return | 7.13% | 6.30%+0.8pp | 22.78%-15.6pp | 20.14%-13.0pp |
| Employer contribution / active EE | $485 | $2,400-79.8% | $3,574-86.4% | $2,281-78.7% |
| Participant deferral / active EE | $1,952 | $2,709-28.0% | $3,712-47.4% | $3,203-39.1% |
| Admin fee / account holder | $1,145 | $3,581-68.0% | $5,333-78.5% | $4,296-73.3% |