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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 | $5,263 | $43,344-87.9% | $59,899-91.2% | $64,173-91.8% |
| Participation rate | 64.6% | 69.2%-4.5pp | 74.7%-10.1pp | 69.6%-5.0pp |
| Annual return | 0.45% | -1.55%+2.0pp | 3.46%-3.0pp | 7.63%-7.2pp |
| Employer contribution / active EE | $817 | $2,030-59.7% | $2,723-70.0% | $2,381-65.7% |
| Participant deferral / active EE | $1,147 | $2,547-55.0% | $3,402-66.3% | $3,470-66.9% |
| Admin fee / account holder | $798 | $3,008-73.5% | $3,592-77.8% | $4,887-83.7% |