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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 | $3,394 | $85,024-96.0% | $70,544-95.2% | $139,466-97.6% |
| Participation rate | 69.2% | 73.9%-4.7pp | 68.4%+0.9pp | 80.3%-11.1pp |
| Annual return | 27.02% | 30.39%-3.4pp | 32.79%-5.8pp | 373.66%-346.6pp |
| Employer contribution / active EE | $769 | $3,912-80.3% | $2,976-74.2% | $4,754-83.8% |
| Participant deferral / active EE | $995 | $5,891-83.1% | $4,568-78.2% | $6,712-85.2% |
| Admin fee / account holder | $506 | $8,928-94.3% | $6,427-92.1% | $11,409-95.6% |