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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 | $11,034 | $77,638-85.8% | $156,551-93.0% | $62,881-82.5% |
| Participation rate | 55.0% | 71.2%-16.2pp | 84.0%-29.0pp | 69.3%-14.3pp |
| Annual return | 30.26% | 50.33%-20.1pp | 32.23%-2.0pp | 20.14%+10.1pp |
| Employer contribution / active EE | $581 | $3,444-83.1% | $5,501-89.4% | $2,281-74.5% |
| Participant deferral / active EE | $1,395 | $3,046-54.2% | $4,871-71.4% | $3,203-56.4% |
| Admin fee / account holder | $474 | $5,561-91.5% | $13,028-96.4% | $4,296-89.0% |