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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 | $9,133 | $53,596-83.0% | $90,657-89.9% | $64,173-85.8% |
| Participation rate | 38.9% | 64.5%-25.6pp | 74.0%-35.1pp | 69.6%-30.7pp |
| Annual return | -7.45% | 4.41%-11.9pp | 1.89%-9.3pp | 7.63%-15.1pp |
| Employer contribution / active EE | $375 | $1,503-75.0% | $2,532-85.2% | $2,381-84.2% |
| Participant deferral / active EE | $1,012 | $2,459-58.8% | $3,424-70.5% | $3,470-70.8% |
| Admin fee / account holder | $412 | $3,868-89.4% | $4,994-91.8% | $4,887-91.6% |