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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 | $9,538 | $45,082-78.8% | $69,464-86.3% | $72,975-86.9% |
| Participation rate | 45.8% | 68.5%-22.7pp | 74.6%-28.8pp | 69.5%-23.7pp |
| Annual return | 30.81% | 22.66%+8.1pp | 28.98%+1.8pp | 81.01%-50.2pp |
| Employer contribution / active EE | $554 | $2,055-73.0% | $2,779-80.1% | $2,440-77.3% |
| Participant deferral / active EE | $1,229 | $2,604-52.8% | $3,536-65.2% | $3,608-65.9% |
| Admin fee / account holder | $302 | $3,057-90.1% | $3,840-92.1% | $5,124-94.1% |