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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 | $11,076 | $58,493-81.1% | $84,021-86.8% | $72,975-84.8% |
| Participation rate | 32.1% | 61.2%-29.2pp | 69.0%-36.9pp | 69.5%-37.4pp |
| Annual return | 27.53% | 28.93%-1.4pp | 71.32%-43.8pp | 81.01%-53.5pp |
| Employer contribution / active EE | $531 | $1,163-54.3% | $1,984-73.2% | $2,440-78.2% |
| Participant deferral / active EE | $1,290 | $2,394-46.1% | $3,239-60.2% | $3,608-64.2% |
| Admin fee / account holder | $586 | $4,569-87.2% | $6,102-90.4% | $5,124-88.6% |