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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 | $11,097 | $91,198-87.8% | $178,503-93.8% | $79,856-86.1% |
| Participation rate | 59.0% | 69.2%-10.2pp | 81.9%-23.0pp | 69.6%-10.7pp |
| Annual return | 17.14% | 24.20%-7.1pp | 151.12%-134.0pp | 31.71%-14.6pp |
| Employer contribution / active EE | $534 | $3,257-83.6% | $5,011-89.3% | $2,471-78.4% |
| Participant deferral / active EE | $1,317 | $3,237-59.3% | $5,202-74.7% | $3,741-64.8% |
| Admin fee / account holder | $555 | $6,748-91.8% | $13,987-96.0% | $5,306-89.6% |