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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 | $4,141 | $48,078-91.4% | $78,676-94.7% | $62,881-93.4% |
| Participation rate | 52.0% | 65.2%-13.2pp | 73.6%-21.6pp | 69.3%-17.3pp |
| Annual return | 7.77% | 31.36%-23.6pp | 62.19%-54.4pp | 20.14%-12.4pp |
| Employer contribution / active EE | $355 | $2,015-82.4% | $2,850-87.5% | $2,281-84.4% |
| Participant deferral / active EE | $1,271 | $2,587-50.9% | $3,517-63.9% | $3,203-60.3% |
| Admin fee / account holder | $1,798 | $3,206-43.9% | $4,510-60.1% | $4,296-58.1% |