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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 | $11,216 | $60,349-81.4% | $74,184-84.9% | $62,881-82.2% |
| Participation rate | 24.7% | 72.7%-48.0pp | 76.6%-51.9pp | 69.3%-44.6pp |
| Annual return | 8.26% | 21.38%-13.1pp | 17.74%-9.5pp | 20.14%-11.9pp |
| Employer contribution / active EE | $967 | $1,680-42.4% | $2,370-59.2% | $2,281-57.6% |
| Participant deferral / active EE | $1,471 | $2,856-48.5% | $3,550-58.6% | $3,203-54.1% |
| Admin fee / account holder | $498 | $4,261-88.3% | $5,586-91.1% | $4,296-88.4% |