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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 | $6,239 | $65,034-90.4% | $90,970-93.1% | $79,856-92.2% |
| Participation rate | 37.1% | 61.6%-24.5pp | 69.0%-31.9pp | 69.6%-32.5pp |
| Annual return | 11.34% | 30.45%-19.1pp | 134.60%-123.3pp | 31.71%-20.4pp |
| Employer contribution / active EE | $875 | $1,247-29.9% | $2,122-58.8% | $2,471-64.6% |
| Participant deferral / active EE | $1,713 | $2,512-31.8% | $3,373-49.2% | $3,741-54.2% |
| Admin fee / account holder | $3,679 | $4,536-18.9% | $5,961-38.3% | $5,306-30.7% |