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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 | $73,787-92.0% | $98,716-94.1% | $82,448-92.9% |
| Participation rate | 60.7% | 61.4%-0.7pp | 69.3%-8.6pp | 68.1%-7.4pp |
| Annual return | 15.92% | 18.57%-2.6pp | 31.81%-15.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $759 | $1,511-49.8% | $2,279-66.7% | $2,551-70.2% |
| Participant deferral / active EE | $1,623 | $3,081-47.3% | $4,048-59.9% | $4,139-60.8% |
| Admin fee / account holder | $432 | $6,500-93.4% | $8,703-95.0% | $7,234-94.0% |