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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 | $3,198 | $72,269-95.6% | $101,271-96.8% | $79,852-96.0% |
| Participation rate | 32.6% | 68.5%-35.9pp | 75.8%-43.2pp | 69.6%-37.1pp |
| Annual return | 15.73% | 22.29%-6.6pp | 46.48%-30.8pp | 31.72%-16.0pp |
| Employer contribution / active EE | $941 | $2,692-65.0% | $3,660-74.3% | $2,471-61.9% |
| Participant deferral / active EE | $0 | $3,282-100.0% | $4,371-100.0% | $3,740-100.0% |
| Admin fee / account holder | $1,558 | $4,401-64.6% | $5,948-73.8% | $5,306-70.6% |