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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 | $8,385 | $67,894-87.6% | $89,340-90.6% | $82,448-89.8% |
| Participation rate | 61.0% | 64.0%-3.0pp | 69.6%-8.5pp | 68.1%-7.1pp |
| Annual return | 36.68% | 19.21%+17.5pp | 20.57%+16.1pp | 41.64%-5.0pp |
| Employer contribution / active EE | $886 | $1,828-51.5% | $2,231-60.3% | $2,551-65.3% |
| Participant deferral / active EE | $1,167 | $3,072-62.0% | $3,823-69.5% | $4,139-71.8% |
| Admin fee / account holder | $1,486 | $5,723-74.0% | $6,704-77.8% | $7,234-79.5% |