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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 | $10,995 | $56,287-80.5% | $80,977-86.4% | $62,881-82.5% |
| Participation rate | 41.1% | 68.9%-27.9pp | 75.8%-34.8pp | 69.3%-28.3pp |
| Annual return | 12.71% | 22.13%-9.4pp | 17.11%-4.4pp | 20.14%-7.4pp |
| Employer contribution / active EE | $874 | $1,943-55.0% | $3,715-76.5% | $2,281-61.7% |
| Participant deferral / active EE | $2,867 | $4,196-31.7% | $5,696-49.7% | $3,203-10.5% |
| Admin fee / account holder | $771 | $3,742-79.4% | $5,517-86.0% | $4,296-82.1% |