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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 | $9,876 | $52,580-81.2% | $71,671-86.2% | $70,126-85.9% |
| Participation rate | 41.3% | 60.9%-19.6pp | 68.7%-27.5pp | 69.5%-28.3pp |
| Annual return | 19.96% | 20.25%-0.3pp | 20.65%-0.7pp | 73.15%-53.2pp |
| Employer contribution / active EE | $717 | $1,616-55.6% | $2,460-70.8% | $2,343-69.4% |
| Participant deferral / active EE | $967 | $2,386-59.5% | $3,438-71.9% | $3,332-71.0% |
| Admin fee / account holder | $1,451 | $3,653-60.3% | $5,558-73.9% | $4,645-68.8% |