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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 | $9,133 | $49,255-81.5% | $70,494-87.0% | $79,856-88.6% |
| Participation rate | 46.8% | 69.2%-22.3pp | 75.1%-28.2pp | 69.6%-22.8pp |
| Annual return | 22.15% | 30.10%-8.0pp | 109.16%-87.0pp | 31.71%-9.6pp |
| Employer contribution / active EE | $707 | $2,100-66.3% | $2,738-74.2% | $2,471-71.4% |
| Participant deferral / active EE | $1,474 | $2,768-46.8% | $3,711-60.3% | $3,741-60.6% |
| Admin fee / account holder | $414 | $2,879-85.6% | $3,848-89.2% | $5,306-92.2% |