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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 | $9,269 | $53,774-82.8% | $134,162-93.1% | $79,856-88.4% |
| Participation rate | 35.1% | 58.8%-23.6pp | 72.2%-37.1pp | 69.6%-34.5pp |
| Annual return | 11.26% | 19.01%-7.7pp | 36.35%-25.1pp | 31.71%-20.5pp |
| Employer contribution / active EE | $255 | $1,322-80.7% | $3,705-93.1% | $2,471-89.7% |
| Participant deferral / active EE | $1,258 | $2,420-48.0% | $3,500-64.1% | $3,741-66.4% |
| Admin fee / account holder | $2,143 | $3,985-46.2% | $6,685-67.9% | $5,306-59.6% |