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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 | $7,787 | $63,845-87.8% | $81,370-90.4% | $80,959-90.4% |
| Participation rate | 35.5% | 63.9%-28.4pp | 69.5%-34.0pp | 67.7%-32.1pp |
| Annual return | 19.60% | 16.37%+3.2pp | 24.85%-5.2pp | 35.67%-16.1pp |
| Employer contribution / active EE | $0 | $1,980-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,182 | $3,093-61.8% | $3,885-69.6% | $4,300-72.5% |
| Admin fee / account holder | $428 | $5,688-92.5% | $5,749-92.6% | $6,925-93.8% |