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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 | $4,967 | $45,050-89.0% | $63,018-92.1% | $70,126-92.9% |
| Participation rate | 53.2% | 69.5%-16.3pp | 74.8%-21.6pp | 69.5%-16.4pp |
| Annual return | 16.56% | 18.76%-2.2pp | 87.62%-71.1pp | 73.15%-56.6pp |
| Employer contribution / active EE | $594 | $2,052-71.0% | $2,761-78.5% | $2,343-74.6% |
| Participant deferral / active EE | $892 | $2,466-63.8% | $3,330-73.2% | $3,332-73.2% |
| Admin fee / account holder | $925 | $2,834-67.4% | $3,601-74.3% | $4,645-80.1% |