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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 | $10,536 | $69,977-84.9% | $108,582-90.3% | $62,881-83.2% |
| Participation rate | 41.7% | 72.9%-31.2pp | 79.6%-37.9pp | 69.3%-27.6pp |
| Annual return | 14.63% | 10.73%+3.9pp | -51.70%+66.3pp | 20.14%-5.5pp |
| Employer contribution / active EE | $1,191 | $2,135-44.2% | $3,758-68.3% | $2,281-47.8% |
| Participant deferral / active EE | $1,525 | $3,165-51.8% | $4,311-64.6% | $3,203-52.4% |
| Admin fee / account holder | $548 | $5,076-89.2% | $7,645-92.8% | $4,296-87.2% |