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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 | $9,651 | $67,602-85.7% | $82,312-88.3% | $70,126-86.2% |
| Participation rate | 52.8% | 72.8%-19.9pp | 76.9%-24.1pp | 69.5%-16.7pp |
| Annual return | 18.49% | 21.57%-3.1pp | 25.88%-7.4pp | 73.15%-54.7pp |
| Employer contribution / active EE | $793 | $1,755-54.8% | $2,428-67.3% | $2,343-66.1% |
| Participant deferral / active EE | $1,427 | $2,987-52.2% | $3,706-61.5% | $3,332-57.2% |
| Admin fee / account holder | $688 | $4,512-84.7% | $5,608-87.7% | $4,645-85.2% |