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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 | $7,173 | $45,082-84.1% | $69,464-89.7% | $72,975-90.2% |
| Participation rate | 53.2% | 68.5%-15.3pp | 74.6%-21.4pp | 69.5%-16.3pp |
| Annual return | 20.01% | 22.66%-2.7pp | 28.98%-9.0pp | 81.01%-61.0pp |
| Employer contribution / active EE | $829 | $2,055-59.7% | $2,779-70.2% | $2,440-66.0% |
| Participant deferral / active EE | $1,145 | $2,604-56.0% | $3,536-67.6% | $3,608-68.2% |
| Admin fee / account holder | $611 | $3,057-80.0% | $3,840-84.1% | $5,124-88.1% |