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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 | $81,262-92.0% | $155,602-95.8% | $80,911-92.0% |
| Participation rate | 59.6% | 66.2%-6.6pp | 78.2%-18.6pp | 67.6%-8.0pp |
| Annual return | 12.13% | 33.34%-21.2pp | 64.81%-52.7pp | 35.63%-23.5pp |
| Employer contribution / active EE | $758 | $3,102-75.6% | $4,675-83.8% | $2,756-72.5% |
| Participant deferral / active EE | $1,743 | $3,451-49.5% | $5,629-69.0% | $4,297-59.4% |
| Admin fee / account holder | $458 | $7,992-94.3% | $15,923-97.1% | $6,935-93.4% |