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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 | $9,814 | $50,554-80.6% | $67,681-85.5% | $87,485-88.8% |
| Participation rate | 69.0% | 67.7%+1.3pp | 73.7%-4.7pp | 68.9%+0.1pp |
| Annual return | 18.19% | 17.81%+0.4pp | 590.58%-572.4pp | 26.06%-7.9pp |
| Employer contribution / active EE | $481 | $1,988-75.8% | $2,678-82.0% | $2,596-81.5% |
| Participant deferral / active EE | $973 | $2,961-67.2% | $3,976-75.5% | $4,274-77.2% |
| Admin fee / account holder | $449 | $4,132-89.1% | $6,100-92.6% | $7,775-94.2% |