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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 | $8,481 | $46,599-81.8% | $64,101-86.8% | $75,173-88.7% |
| Participation rate | 63.0% | 65.9%-2.9pp | 72.3%-9.3pp | 67.2%-4.2pp |
| Annual return | 13.94% | 26.06%-12.1pp | 33.72%-19.8pp | 160.72%-146.8pp |
| Employer contribution / active EE | $789 | $1,975-60.1% | $2,749-71.3% | $2,671-70.5% |
| Participant deferral / active EE | $1,074 | $2,837-62.1% | $3,881-72.3% | $4,126-74.0% |
| Admin fee / account holder | $646 | $2,956-78.1% | $3,070-79.0% | $5,651-88.6% |