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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 | $6,140 | $58,627-89.5% | $76,735-92.0% | $82,448-92.6% |
| Participation rate | 50.7% | 63.2%-12.5pp | 69.5%-18.8pp | 68.1%-17.4pp |
| Annual return | 20.17% | 39.10%-18.9pp | 29.77%-9.6pp | 41.64%-21.5pp |
| Employer contribution / active EE | $863 | $1,729-50.1% | $2,454-64.8% | $2,551-66.2% |
| Participant deferral / active EE | $1,665 | $3,134-46.9% | $4,088-59.3% | $4,139-59.8% |
| Admin fee / account holder | $579 | $5,323-89.1% | $7,189-91.9% | $7,234-92.0% |