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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 | $3,507 | $103,949-96.6% | $69,182-94.9% | $273,972-98.7% |
| Participation rate | 37.5% | 67.4%-29.9pp | 55.1%-17.6pp | 83.0%-45.5pp |
| Annual return | 22.11% | 35.28%-13.2pp | -21.93%+44.0pp | 41.46%-19.3pp |
| Employer contribution / active EE | $881 | $1,783-50.6% | $1,206-26.9% | $4,869-81.9% |
| Participant deferral / active EE | $978 | $2,716-64.0% | $1,897-48.5% | $5,287-81.5% |
| Admin fee / account holder | $459 | $3,671-87.5% | $2,697-83.0% | $10,133-95.5% |