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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 | $6,484 | $81,331-92.0% | $155,534-95.8% | $80,935-92.0% |
| Participation rate | 64.5% | 66.3%-1.7pp | 78.2%-13.7pp | 67.7%-3.1pp |
| Annual return | 15.46% | 33.37%-17.9pp | 64.92%-49.5pp | 35.66%-20.2pp |
| Employer contribution / active EE | $689 | $3,105-77.8% | $4,675-85.3% | $2,757-75.0% |
| Participant deferral / active EE | $1,021 | $3,454-70.4% | $5,630-81.9% | $4,299-76.3% |
| Admin fee / account holder | $362 | $7,999-95.5% | $15,900-97.7% | $6,924-94.8% |