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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 | $11,712 | $48,078-75.6% | $78,676-85.1% | $62,881-81.4% |
| Participation rate | 34.1% | 65.2%-31.1pp | 73.6%-39.5pp | 69.3%-35.2pp |
| Annual return | 7.52% | 31.36%-23.8pp | 62.19%-54.7pp | 20.14%-12.6pp |
| Employer contribution / active EE | $326 | $2,015-83.8% | $2,850-88.6% | $2,281-85.7% |
| Participant deferral / active EE | $881 | $2,587-66.0% | $3,517-75.0% | $3,203-72.5% |
| Admin fee / account holder | $572 | $3,206-82.2% | $4,510-87.3% | $4,296-86.7% |