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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 | $3,560 | $57,061-93.8% | $85,063-95.8% | $80,911-95.6% |
| Participation rate | 56.4% | 56.3%+0.1pp | 67.5%-11.1pp | 67.6%-11.2pp |
| Annual return | 19.76% | 21.66%-1.9pp | 66.54%-46.8pp | 35.63%-15.9pp |
| Employer contribution / active EE | $787 | $1,799-56.3% | $2,727-71.2% | $2,756-71.5% |
| Participant deferral / active EE | $1,009 | $3,110-67.6% | $4,523-77.7% | $4,297-76.5% |
| Admin fee / account holder | $392 | $4,986-92.1% | $6,155-93.6% | $6,935-94.3% |