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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 | $5,047 | $63,082-92.0% | $81,716-93.8% | $79,852-93.7% |
| Participation rate | 48.0% | 67.5%-19.5pp | 72.0%-24.0pp | 69.6%-21.6pp |
| Annual return | 38.07% | 22.66%+15.4pp | 29.49%+8.6pp | 31.72%+6.3pp |
| Employer contribution / active EE | $756 | $1,795-57.9% | $4,310-82.5% | $2,471-69.4% |
| Participant deferral / active EE | $1,003 | $2,780-63.9% | $7,108-85.9% | $3,740-73.2% |
| Admin fee / account holder | $363 | $4,428-91.8% | $5,159-93.0% | $5,306-93.2% |