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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 | $9,470 | $73,988-87.2% | $96,538-90.2% | $75,177-87.4% |
| Participation rate | 48.6% | 66.4%-17.9pp | 74.3%-25.8pp | 67.2%-18.6pp |
| Annual return | 28.07% | 26.73%+1.3pp | 35.74%-7.7pp | 160.75%-132.7pp |
| Employer contribution / active EE | $943 | $2,930-67.8% | $3,740-74.8% | $2,671-64.7% |
| Participant deferral / active EE | $2,240 | $3,660-38.8% | $4,880-54.1% | $4,126-45.7% |
| Admin fee / account holder | $637 | $5,220-87.8% | $6,737-90.5% | $5,651-88.7% |