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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 | $10,258 | $65,034-84.2% | $90,970-88.7% | $79,856-87.2% |
| Participation rate | 47.8% | 61.6%-13.8pp | 69.0%-21.2pp | 69.6%-21.8pp |
| Annual return | 23.52% | 30.45%-6.9pp | 134.60%-111.1pp | 31.71%-8.2pp |
| Employer contribution / active EE | $875 | $1,247-29.9% | $2,122-58.8% | $2,471-64.6% |
| Participant deferral / active EE | $1,275 | $2,512-49.2% | $3,373-62.2% | $3,741-65.9% |
| Admin fee / account holder | $337 | $4,536-92.6% | $5,961-94.4% | $5,306-93.7% |