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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 | $10,826 | $52,580-79.4% | $71,671-84.9% | $70,126-84.6% |
| Participation rate | 30.9% | 60.9%-30.0pp | 68.7%-37.9pp | 69.5%-38.7pp |
| Annual return | 58.72% | 20.25%+38.5pp | 20.65%+38.1pp | 73.15%-14.4pp |
| Employer contribution / active EE | $605 | $1,616-62.5% | $2,460-75.4% | $2,343-74.2% |
| Participant deferral / active EE | $1,216 | $2,386-49.0% | $3,438-64.6% | $3,332-63.5% |
| Admin fee / account holder | $4,213 | $3,653+15.3% | $5,558-24.2% | $4,645-9.3% |