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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 | $17,436 | $71,215-75.5% | $93,696-81.4% | $80,935-78.5% |
| Participation rate | 57.4% | 60.4%-3.0pp | 68.7%-11.4pp | 67.7%-10.3pp |
| Annual return | 19.83% | 11.27%+8.6pp | 133.74%-113.9pp | 35.66%-15.8pp |
| Employer contribution / active EE | $458 | $1,565-70.8% | $2,422-81.1% | $2,757-83.4% |
| Participant deferral / active EE | $1,355 | $4,037-66.4% | $4,417-69.3% | $4,299-68.5% |
| Admin fee / account holder | $729 | $6,958-89.5% | $8,287-91.2% | $6,924-89.5% |