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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 | $13,597 | $97,881-86.1% | $80,004-83.0% | $125,389-89.2% |
| Participation rate | 45.5% | 77.9%-32.4pp | 73.0%-27.6pp | 83.2%-37.7pp |
| Annual return | 0.11% | 9.36%-9.2pp | 7.63%-7.5pp | 282.24%-282.1pp |
| Employer contribution / active EE | $1,313 | $3,128-58.0% | $2,473-46.9% | $4,866-73.0% |
| Participant deferral / active EE | $2,512 | $3,744-32.9% | $3,204-21.6% | $5,352-53.1% |
| Admin fee / account holder | $7,240 | $6,278+15.3% | $5,033+43.8% | $9,541-24.1% |