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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 | $10,788 | $64,359-83.2% | $90,161-88.0% | $70,126-84.6% |
| Participation rate | 64.1% | 70.4%-6.3pp | 76.9%-12.7pp | 69.5%-5.4pp |
| Annual return | 28.04% | 28.13%-0.1pp | 34.89%-6.8pp | 73.15%-45.1pp |
| Employer contribution / active EE | $399 | $2,046-80.5% | $3,318-88.0% | $2,343-83.0% |
| Participant deferral / active EE | $2,214 | $4,389-49.6% | $5,287-58.1% | $3,332-33.6% |
| Admin fee / account holder | $696 | $3,945-82.3% | $5,943-88.3% | $4,645-85.0% |