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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 | $6,997 | $57,752-87.9% | $112,273-93.8% | $71,495-90.2% |
| Participation rate | 38.8% | 58.8%-20.0pp | 72.4%-33.6pp | 67.9%-29.1pp |
| Annual return | 29.80% | 18.25%+11.5pp | 30.23%-0.4pp | 28.85%+0.9pp |
| Employer contribution / active EE | $723 | $1,912-62.2% | $3,431-78.9% | $2,589-72.1% |
| Participant deferral / active EE | $1,212 | $2,860-57.6% | $4,800-74.7% | $4,291-71.8% |
| Admin fee / account holder | $621 | $1,586-60.8% | $7,752-92.0% | $1,588-60.9% |