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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 | $5,430 | $81,262-93.3% | $155,602-96.5% | $80,911-93.3% |
| Participation rate | 48.4% | 66.2%-17.9pp | 78.2%-29.8pp | 67.6%-19.3pp |
| Annual return | 17.40% | 33.34%-15.9pp | 64.81%-47.4pp | 35.63%-18.2pp |
| Employer contribution / active EE | $629 | $3,102-79.7% | $4,675-86.5% | $2,756-77.2% |
| Participant deferral / active EE | $1,888 | $3,451-45.3% | $5,629-66.5% | $4,297-56.1% |
| Admin fee / account holder | $491 | $7,992-93.9% | $15,923-96.9% | $6,935-92.9% |