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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 | $9,965 | $65,367-84.8% | $92,915-89.3% | $72,976-86.3% |
| Participation rate | 62.2% | 68.3%-6.1pp | 76.0%-13.8pp | 69.5%-7.3pp |
| Annual return | 29.20% | 42.11%-12.9pp | 109.45%-80.2pp | 81.02%-51.8pp |
| Employer contribution / active EE | $1,300 | $2,594-49.9% | $3,653-64.4% | $2,440-46.7% |
| Participant deferral / active EE | $2,033 | $3,128-35.0% | $4,238-52.0% | $3,608-43.6% |
| Admin fee / account holder | $303 | $4,251-92.9% | $5,796-94.8% | $5,124-94.1% |