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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 | $7,959 | $39,132-79.7% | $57,196-86.1% | $62,881-87.3% |
| Participation rate | 41.9% | 70.5%-28.6pp | 75.3%-33.5pp | 69.3%-27.4pp |
| Annual return | 7.83% | 9.24%-1.4pp | 14.59%-6.8pp | 20.14%-12.3pp |
| Employer contribution / active EE | $393 | $1,874-79.0% | $2,683-85.3% | $2,281-82.8% |
| Participant deferral / active EE | $1,255 | $2,374-47.2% | $3,096-59.5% | $3,203-60.8% |
| Admin fee / account holder | $501 | $2,594-80.7% | $3,141-84.0% | $4,296-88.3% |