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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 | $9,730 | $56,054-82.6% | $171,082-94.3% | $62,881-84.5% |
| Participation rate | 39.4% | 62.9%-23.4pp | 76.7%-37.3pp | 69.3%-29.9pp |
| Annual return | 11.46% | 22.52%-11.1pp | 32.56%-21.1pp | 20.14%-8.7pp |
| Employer contribution / active EE | $1,068 | $1,731-38.3% | $4,002-73.3% | $2,281-53.2% |
| Participant deferral / active EE | $2,288 | $3,158-27.5% | $4,797-52.3% | $3,203-28.6% |
| Admin fee / account holder | $1,152 | $3,647-68.4% | $8,520-86.5% | $4,296-73.2% |