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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 | $9,189 | $76,551-88.0% | $123,894-92.6% | $62,881-85.4% |
| Participation rate | 55.2% | 73.0%-17.8pp | 81.4%-26.2pp | 69.3%-14.1pp |
| Annual return | 13.28% | 18.68%-5.4pp | 47.52%-34.2pp | 20.14%-6.9pp |
| Employer contribution / active EE | $1,471 | $2,882-49.0% | $4,617-68.1% | $2,281-35.5% |
| Participant deferral / active EE | $2,829 | $4,840-41.6% | $5,984-52.7% | $3,203-11.7% |
| Admin fee / account holder | $1,569 | $4,826-67.5% | $8,357-81.2% | $4,296-63.5% |