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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 | $8,685 | $57,108-84.8% | $94,229-90.8% | $52,331-83.4% |
| Participation rate | 40.0% | 72.9%-32.9pp | 78.8%-38.8pp | 68.1%-28.1pp |
| Annual return | 1.71% | 1.47%+0.2pp | 10.68%-9.0pp | 4.54%-2.8pp |
| Employer contribution / active EE | $813 | $1,735-53.2% | $3,587-77.3% | $1,882-56.8% |
| Participant deferral / active EE | $1,656 | $3,040-45.5% | $4,320-61.7% | $3,022-45.2% |
| Admin fee / account holder | $605 | $546+10.6% | $6,269-90.4% | $592+2.2% |