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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 | $5,430 | $77,814-93.0% | $158,223-96.6% | $86,983-93.8% |
| Participation rate | 61.3% | 68.4%-7.1pp | 79.2%-17.9pp | 69.5%-8.3pp |
| Annual return | 18.92% | 30.54%-11.6pp | 52.09%-33.2pp | 25.83%-6.9pp |
| Employer contribution / active EE | $857 | $2,592-66.9% | $4,109-79.1% | $2,584-66.8% |
| Participant deferral / active EE | $1,116 | $3,270-65.9% | $5,467-79.6% | $4,194-73.4% |
| Admin fee / account holder | $1,130 | $5,879-80.8% | $16,047-93.0% | $7,856-85.6% |