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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 | $10,768 | $65,704-83.6% | $94,229-88.6% | $59,633-81.9% |
| Participation rate | 52.8% | 72.1%-19.3pp | 78.8%-25.9pp | 68.7%-15.8pp |
| Annual return | 3.73% | 5.22%-1.5pp | 10.68%-7.0pp | 2041.45%-2037.7pp |
| Employer contribution / active EE | $1,184 | $2,021-41.4% | $3,587-67.0% | $2,203-46.2% |
| Participant deferral / active EE | $1,645 | $3,143-47.7% | $4,320-61.9% | $3,192-48.5% |
| Admin fee / account holder | $1,337 | $4,265-68.6% | $6,269-78.7% | $4,297-68.9% |