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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 | $10,619 | $99,345-89.3% | $84,753-87.5% | $273,972-96.1% |
| Participation rate | 54.5% | 80.7%-26.1pp | 76.6%-22.0pp | 83.0%-28.5pp |
| Annual return | 9.63% | 22.93%-13.3pp | 22.78%-13.1pp | 41.46%-31.8pp |
| Employer contribution / active EE | $1,295 | $4,214-69.3% | $3,574-63.8% | $4,869-73.4% |
| Participant deferral / active EE | $3,434 | $4,270-19.6% | $3,712-7.5% | $5,287-35.1% |
| Admin fee / account holder | $1,736 | $6,645-73.9% | $5,333-67.4% | $10,133-82.9% |