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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 | $9,018 | $78,013-88.4% | $178,449-94.9% | $80,911-88.9% |
| Participation rate | 44.8% | 65.7%-20.9pp | 77.1%-32.3pp | 67.6%-22.8pp |
| Annual return | 26.32% | 18.07%+8.3pp | 27.09%-0.8pp | 35.63%-9.3pp |
| Employer contribution / active EE | $1,036 | $2,287-54.7% | $3,951-73.8% | $2,756-62.4% |
| Participant deferral / active EE | $1,747 | $4,408-60.4% | $6,277-72.2% | $4,297-59.3% |
| Admin fee / account holder | $705 | $7,166-90.2% | $10,362-93.2% | $6,935-89.8% |