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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 | $8,674 | $58,512-85.2% | $84,020-89.7% | $72,983-88.1% |
| Participation rate | 53.8% | 61.2%-7.4pp | 69.0%-15.2pp | 69.5%-15.6pp |
| Annual return | 22.23% | 28.93%-6.7pp | 71.31%-49.1pp | 81.01%-58.8pp |
| Employer contribution / active EE | $756 | $1,163-35.0% | $1,984-61.9% | $2,440-69.0% |
| Participant deferral / active EE | $1,345 | $2,394-43.8% | $3,239-58.5% | $3,608-62.7% |
| Admin fee / account holder | $2,220 | $4,569-51.4% | $6,101-63.6% | $5,124-56.7% |