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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 | $8,926 | $65,027-86.3% | $90,970-90.2% | $79,852-88.8% |
| Participation rate | 69.8% | 61.6%+8.2pp | 69.0%+0.8pp | 69.6%+0.2pp |
| Annual return | 27.91% | 30.45%-2.5pp | 134.58%-106.7pp | 31.72%-3.8pp |
| Employer contribution / active EE | $847 | $1,247-32.1% | $2,122-60.1% | $2,471-65.7% |
| Participant deferral / active EE | $2,209 | $2,512-12.0% | $3,373-34.5% | $3,740-40.9% |
| Admin fee / account holder | $692 | $4,535-84.7% | $5,960-88.4% | $5,306-87.0% |