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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 | $11,194 | $72,027-84.5% | $185,835-94.0% | $79,852-86.0% |
| Participation rate | 50.0% | 65.8%-15.8pp | 78.0%-28.0pp | 69.6%-19.6pp |
| Annual return | 23.06% | 23.13%-0.1pp | 35.96%-12.9pp | 31.72%-8.7pp |
| Employer contribution / active EE | $716 | $1,965-63.5% | $4,087-82.5% | $2,471-71.0% |
| Participant deferral / active EE | $1,473 | $3,780-61.0% | $5,633-73.8% | $3,740-60.6% |
| Admin fee / account holder | $3,785 | $4,513-16.1% | $9,502-60.2% | $5,306-28.7% |