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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 | $5,068 | $75,541-93.3% | $152,093-96.7% | $82,637-93.9% |
| Participation rate | 47.3% | 66.5%-19.3pp | 77.8%-30.5pp | 68.1%-20.8pp |
| Annual return | 24.51% | 32.56%-8.0pp | 66.36%-41.8pp | 53.51%-29.0pp |
| Employer contribution / active EE | $539 | $2,622-79.4% | $4,175-87.1% | $2,552-78.9% |
| Participant deferral / active EE | $953 | $3,206-70.3% | $5,451-82.5% | $4,126-76.9% |
| Admin fee / account holder | $304 | $6,405-95.3% | $14,497-97.9% | $7,339-95.9% |