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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 | $6,232 | $58,848-89.4% | $88,179-92.9% | $82,637-92.5% |
| Participation rate | 48.0% | 57.9%-9.9pp | 69.1%-21.1pp | 68.1%-20.1pp |
| Annual return | 28.26% | 22.76%+5.5pp | 64.97%-36.7pp | 53.51%-25.2pp |
| Employer contribution / active EE | $598 | $1,678-64.4% | $2,549-76.5% | $2,552-76.6% |
| Participant deferral / active EE | $865 | $3,124-72.3% | $4,614-81.3% | $4,126-79.0% |
| Admin fee / account holder | $690 | $4,795-85.6% | $7,673-91.0% | $7,339-90.6% |