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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 | $6,794 | $81,331-91.6% | $155,534-95.6% | $80,935-91.6% |
| Participation rate | 60.3% | 66.3%-5.9pp | 78.2%-17.9pp | 67.7%-7.3pp |
| Annual return | 14.06% | 33.37%-19.3pp | 64.92%-50.9pp | 35.66%-21.6pp |
| Employer contribution / active EE | $547 | $3,105-82.4% | $4,675-88.3% | $2,757-80.2% |
| Participant deferral / active EE | $1,906 | $3,454-44.8% | $5,630-66.1% | $4,299-55.7% |
| Admin fee / account holder | $602 | $7,999-92.5% | $15,900-96.2% | $6,924-91.3% |