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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 | $5,867 | $74,535-92.1% | $100,712-94.2% | $82,637-92.9% |
| Participation rate | 60.7% | 61.2%-0.5pp | 69.3%-8.6pp | 68.1%-7.3pp |
| Annual return | 15.92% | 18.92%-3.0pp | 33.27%-17.4pp | 53.51%-37.6pp |
| Employer contribution / active EE | $759 | $1,503-49.5% | $2,313-67.2% | $2,552-70.3% |
| Participant deferral / active EE | $1,623 | $3,074-47.2% | $4,085-60.3% | $4,126-60.7% |
| Admin fee / account holder | $432 | $6,576-93.4% | $9,256-95.3% | $7,339-94.1% |