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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 | $10,298 | $62,592-83.5% | $85,709-88.0% | $85,847-88.0% |
| Participation rate | 53.3% | 61.1%-7.8pp | 69.9%-16.5pp | 69.3%-16.0pp |
| Annual return | 16.31% | 23.77%-7.5pp | 21.49%-5.2pp | 318.61%-302.3pp |
| Employer contribution / active EE | $352 | $1,755-79.9% | $2,619-86.5% | $2,565-86.3% |
| Participant deferral / active EE | $1,648 | $2,802-41.2% | $3,924-58.0% | $3,952-58.3% |
| Admin fee / account holder | $1,489 | $4,643-67.9% | $6,876-78.4% | $6,261-76.2% |