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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 | $10,957 | $59,839-81.7% | $81,991-86.6% | $79,852-86.3% |
| Participation rate | 34.5% | 61.6%-27.1pp | 69.3%-34.8pp | 69.6%-35.2pp |
| Annual return | 20.29% | 17.56%+2.7pp | 41.31%-21.0pp | 31.72%-11.4pp |
| Employer contribution / active EE | $676 | $1,713-60.5% | $2,498-72.9% | $2,471-72.6% |
| Participant deferral / active EE | $975 | $2,695-63.8% | $3,722-73.8% | $3,740-73.9% |
| Admin fee / account holder | $975 | $4,287-77.3% | $5,665-82.8% | $5,306-81.6% |