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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 | $9,069 | $47,848-81.0% | $81,473-88.9% | $70,126-87.1% |
| Participation rate | 63.9% | 58.3%+5.7pp | 68.0%-4.0pp | 69.5%-5.6pp |
| Annual return | 20.72% | 27.25%-6.5pp | 38.78%-18.1pp | 73.15%-52.4pp |
| Employer contribution / active EE | $535 | $1,527-65.0% | $2,568-79.2% | $2,343-77.2% |
| Participant deferral / active EE | $1,187 | $2,453-51.6% | $3,537-66.4% | $3,332-64.4% |
| Admin fee / account holder | $1,050 | $3,145-66.6% | $4,561-77.0% | $4,645-77.4% |