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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 | $4,407 | $45,087-90.2% | $69,483-93.7% | $72,976-94.0% |
| Participation rate | 69.6% | 68.5%+1.1pp | 74.6%-5.0pp | 69.5%+0.1pp |
| Annual return | 6.66% | 22.67%-16.0pp | 28.99%-22.3pp | 81.02%-74.4pp |
| Employer contribution / active EE | $772 | $2,055-62.4% | $2,780-72.2% | $2,440-68.4% |
| Participant deferral / active EE | $893 | $2,603-65.7% | $3,537-74.7% | $3,608-75.2% |
| Admin fee / account holder | $304 | $3,057-90.1% | $3,841-92.1% | $5,124-94.1% |