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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 | $8,779 | $81,487-89.2% | $102,412-91.4% | $80,935-89.2% |
| Participation rate | 53.8% | 66.8%-13.0pp | 74.5%-20.7pp | 67.7%-13.8pp |
| Annual return | 10.62% | 25.60%-15.0pp | 24.94%-14.3pp | 35.66%-25.0pp |
| Employer contribution / active EE | $1,603 | $3,103-48.3% | $3,870-58.6% | $2,757-41.9% |
| Participant deferral / active EE | $2,278 | $3,871-41.1% | $5,060-55.0% | $4,299-47.0% |
| Admin fee / account holder | $4,634 | $6,717-31.0% | $8,388-44.8% | $6,924-33.1% |