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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 | $2,707 | $35,183-92.3% | $73,550-96.3% | $70,126-96.1% |
| Participation rate | 66.1% | 42.9%+23.1pp | 54.9%+11.1pp | 69.5%-3.5pp |
| Annual return | 34.82% | 26.90%+7.9pp | -15.16%+50.0pp | 73.15%-38.3pp |
| Employer contribution / active EE | $317 | $709-55.3% | $1,219-74.0% | $2,343-86.5% |
| Participant deferral / active EE | $1,325 | $1,220+8.6% | $1,804-26.6% | $3,332-60.2% |
| Admin fee / account holder | $392 | $2,302-83.0% | $2,320-83.1% | $4,645-91.6% |