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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 | $8,848 | $46,599-81.0% | $64,101-86.2% | $75,173-88.2% |
| Participation rate | 58.8% | 65.9%-7.1pp | 72.3%-13.5pp | 67.2%-8.4pp |
| Annual return | 20.40% | 26.06%-5.7pp | 33.72%-13.3pp | 160.72%-140.3pp |
| Employer contribution / active EE | $836 | $1,975-57.7% | $2,749-69.6% | $2,671-68.7% |
| Participant deferral / active EE | $1,973 | $2,837-30.5% | $3,881-49.2% | $4,126-52.2% |
| Admin fee / account holder | $356 | $2,956-87.9% | $3,070-88.4% | $5,651-93.7% |