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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 | $5,858 | $37,446-84.4% | $77,513-92.4% | $79,852-92.7% |
| Participation rate | 22.2% | 41.5%-19.3pp | 54.2%-32.0pp | 69.6%-47.4pp |
| Annual return | 33.61% | 39.76%-6.1pp | 54.81%-21.2pp | 31.72%+1.9pp |
| Employer contribution / active EE | $342 | $637-46.3% | $987-65.3% | $2,471-86.2% |
| Participant deferral / active EE | $540 | $1,261-57.2% | $1,861-71.0% | $3,740-85.6% |
| Admin fee / account holder | $697 | $2,506-72.2% | $2,859-75.6% | $5,306-86.9% |