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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 | $5,189 | $54,541-90.5% | $78,778-93.4% | $70,126-92.6% |
| Participation rate | 60.7% | 60.8%-0.1pp | 69.2%-8.5pp | 69.5%-8.8pp |
| Annual return | 25.97% | 21.07%+4.9pp | 35.62%-9.6pp | 73.15%-47.2pp |
| Employer contribution / active EE | $770 | $1,089-29.3% | $1,986-61.2% | $2,343-67.1% |
| Participant deferral / active EE | $1,367 | $2,210-38.2% | $2,958-53.8% | $3,332-59.0% |
| Admin fee / account holder | $884 | $3,709-76.2% | $5,134-82.8% | $4,645-81.0% |