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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 | $7,742 | $43,075-82.0% | $74,577-89.6% | $62,881-87.7% |
| Participation rate | 45.7% | 58.1%-12.4pp | 68.1%-22.4pp | 69.3%-23.6pp |
| Annual return | 5.04% | 17.50%-12.5pp | 20.47%-15.4pp | 20.14%-15.1pp |
| Employer contribution / active EE | $213 | $1,498-85.8% | $2,525-91.6% | $2,281-90.7% |
| Participant deferral / active EE | $852 | $2,389-64.4% | $3,458-75.4% | $3,203-73.4% |
| Admin fee / account holder | $721 | $2,840-74.6% | $4,138-82.6% | $4,296-83.2% |