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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 | $10,259 | $99,345-89.7% | $84,753-87.9% | $273,972-96.3% |
| Participation rate | 43.8% | 80.7%-36.9pp | 76.6%-32.8pp | 83.0%-39.3pp |
| Annual return | 13.89% | 22.93%-9.0pp | 22.78%-8.9pp | 41.46%-27.6pp |
| Employer contribution / active EE | $1,595 | $4,214-62.2% | $3,574-55.4% | $4,869-67.2% |
| Participant deferral / active EE | $2,718 | $4,270-36.3% | $3,712-26.8% | $5,287-48.6% |
| Admin fee / account holder | $688 | $6,645-89.6% | $5,333-87.1% | $10,133-93.2% |