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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 | $5,109 | $76,371-93.3% | $93,621-94.5% | $72,976-93.0% |
| Participation rate | 61.5% | 71.8%-10.2pp | 75.8%-14.3pp | 69.5%-8.0pp |
| Annual return | 0.00% | 25.82%-25.8pp | 32.76%-32.8pp | 81.02%-81.0pp |
| Employer contribution / active EE | $960 | $2,276-57.8% | $2,719-64.7% | $2,440-60.6% |
| Participant deferral / active EE | $2,564 | $3,538-27.5% | $4,070-37.0% | $3,608-28.9% |
| Admin fee / account holder | $405 | $6,839-94.1% | $7,890-94.9% | $5,124-92.1% |