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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 | $9,311 | $52,580-82.3% | $71,671-87.0% | $70,126-86.7% |
| Participation rate | 56.0% | 60.9%-4.9pp | 68.7%-12.7pp | 69.5%-13.5pp |
| Annual return | 18.05% | 20.25%-2.2pp | 20.65%-2.6pp | 73.15%-55.1pp |
| Employer contribution / active EE | $904 | $1,616-44.0% | $2,460-63.2% | $2,343-61.4% |
| Participant deferral / active EE | $1,731 | $2,386-27.5% | $3,438-49.7% | $3,332-48.1% |
| Admin fee / account holder | $1,679 | $3,653-54.0% | $5,558-69.8% | $4,645-63.9% |