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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 | $12,925 | $105,623-87.8% | $87,502-85.2% | $273,972-95.3% |
| Participation rate | 40.0% | 78.2%-38.2pp | 73.8%-33.8pp | 83.0%-43.0pp |
| Annual return | 3.71% | 12.26%-8.5pp | 12.21%-8.5pp | 41.46%-37.7pp |
| Employer contribution / active EE | $538 | $3,141-82.9% | $2,550-78.9% | $4,869-89.0% |
| Participant deferral / active EE | $1,071 | $3,601-70.3% | $3,149-66.0% | $5,287-79.7% |
| Admin fee / account holder | $631 | $4,781-86.8% | $4,221-85.0% | $10,133-93.8% |