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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 | $12,511 | $105,623-88.2% | $87,502-85.7% | $273,972-95.4% |
| Participation rate | 64.7% | 78.2%-13.5pp | 73.8%-9.1pp | 83.0%-18.3pp |
| Annual return | 4.61% | 12.26%-7.6pp | 12.21%-7.6pp | 41.46%-36.8pp |
| Employer contribution / active EE | $114 | $3,141-96.4% | $2,550-95.5% | $4,869-97.7% |
| Participant deferral / active EE | $416 | $3,601-88.4% | $3,149-86.8% | $5,287-92.1% |
| Admin fee / account holder | $515 | $4,781-89.2% | $4,221-87.8% | $10,133-94.9% |