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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 | $4,666 | $81,358-94.3% | $155,556-97.0% | $80,959-94.2% |
| Participation rate | 64.9% | 66.3%-1.4pp | 78.2%-13.3pp | 67.7%-2.8pp |
| Annual return | 15.33% | 33.39%-18.1pp | 64.84%-49.5pp | 35.67%-20.3pp |
| Employer contribution / active EE | $761 | $3,106-75.5% | $4,675-83.7% | $2,757-72.4% |
| Participant deferral / active EE | $1,169 | $3,455-66.2% | $5,631-79.2% | $4,300-72.8% |
| Admin fee / account holder | $642 | $7,994-92.0% | $15,885-96.0% | $6,925-90.7% |