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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 | $12,085 | $96,558-87.5% | $80,977-85.1% | $273,970-95.6% |
| Participation rate | 50.0% | 79.1%-29.1pp | 75.8%-25.8pp | 83.0%-33.0pp |
| Annual return | 6.81% | 15.14%-8.3pp | 17.11%-10.3pp | 41.46%-34.6pp |
| Employer contribution / active EE | $705 | $4,869-85.5% | $3,715-81.0% | $4,869-85.5% |
| Participant deferral / active EE | $2,730 | $6,598-58.6% | $5,696-52.1% | $5,287-48.4% |
| Admin fee / account holder | $394 | $7,493-94.7% | $5,517-92.9% | $10,132-96.1% |