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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 | $9,718 | $43,496-77.7% | $161,489-94.0% | $64,340-84.9% |
| Participation rate | 32.9% | 53.5%-20.6pp | 78.7%-45.8pp | 55.2%-22.3pp |
| Annual return | 17.90% | 20.76%-2.9pp | 89.72%-71.8pp | 24.14%-6.2pp |
| Employer contribution / active EE | $559 | $1,431-60.9% | $4,268-86.9% | $1,862-70.0% |
| Participant deferral / active EE | $1,115 | $1,996-44.1% | $5,630-80.2% | $2,980-62.6% |
| Admin fee / account holder | $1,757 | $2,330-24.6% | $16,006-89.0% | $3,703-52.5% |