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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 | $12,531 | $49,025-74.4% | $87,502-85.7% | $62,881-80.1% |
| Participation rate | 51.4% | 64.9%-13.5pp | 73.8%-22.4pp | 69.3%-17.9pp |
| Annual return | 6.60% | 10.02%-3.4pp | 12.21%-5.6pp | 20.14%-13.5pp |
| Employer contribution / active EE | $735 | $1,372-46.4% | $2,550-71.2% | $2,281-67.8% |
| Participant deferral / active EE | $1,387 | $2,289-39.4% | $3,149-56.0% | $3,203-56.7% |
| Admin fee / account holder | $1,396 | $4,065-65.7% | $4,221-66.9% | $4,296-67.5% |