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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 | $17,855 | $52,884-66.2% | $84,753-78.9% | $55,167-67.6% |
| Participation rate | 57.8% | 67.5%-9.7pp | 76.6%-18.8pp | 69.0%-11.1pp |
| Annual return | 8.13% | 18.03%-9.9pp | 22.78%-14.7pp | 169.23%-161.1pp |
| Employer contribution / active EE | $834 | $2,233-62.7% | $3,574-76.7% | $1,963-57.5% |
| Participant deferral / active EE | $1,572 | $2,644-40.5% | $3,712-57.7% | $3,054-48.5% |
| Admin fee / account holder | $1,543 | $581+165.7% | $5,333-71.1% | $504+206.2% |