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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 | $10,112 | $52,678-80.8% | $75,784-86.7% | $59,633-83.0% |
| Participation rate | 46.4% | 67.2%-20.8pp | 75.8%-29.4pp | 68.7%-22.2pp |
| Annual return | 1.91% | 2.95%-1.0pp | 9.68%-7.8pp | 2041.45%-2039.5pp |
| Employer contribution / active EE | $739 | $2,193-66.3% | $3,323-77.8% | $2,203-66.5% |
| Participant deferral / active EE | $1,387 | $2,591-46.5% | $3,652-62.0% | $3,192-56.6% |
| Admin fee / account holder | $495 | $3,610-86.3% | $5,300-90.7% | $4,297-88.5% |