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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 | $6,492 | $81,331-92.0% | $155,534-95.8% | $80,935-92.0% |
| Participation rate | 59.6% | 66.3%-6.6pp | 78.2%-18.6pp | 67.7%-8.0pp |
| Annual return | 12.13% | 33.37%-21.2pp | 64.92%-52.8pp | 35.66%-23.5pp |
| Employer contribution / active EE | $758 | $3,105-75.6% | $4,675-83.8% | $2,757-72.5% |
| Participant deferral / active EE | $1,743 | $3,454-49.5% | $5,630-69.0% | $4,299-59.4% |
| Admin fee / account holder | $458 | $7,999-94.3% | $15,900-97.1% | $6,924-93.4% |