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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 | $9,881 | $72,492-86.4% | $87,102-88.7% | $72,983-86.5% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.9%-26.9pp | 69.5%-19.5pp |
| Annual return | 31.21% | 24.46%+6.8pp | 28.19%+3.0pp | 81.01%-49.8pp |
| Employer contribution / active EE | $1,573 | $1,894-17.0% | $2,521-37.6% | $2,440-35.5% |
| Participant deferral / active EE | $3,569 | $3,270+9.1% | $4,048-11.9% | $3,608-1.1% |
| Admin fee / account holder | $340 | $5,055-93.3% | $7,491-95.5% | $5,124-93.4% |