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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 | $9,394 | $81,262-88.4% | $155,602-94.0% | $80,911-88.4% |
| Participation rate | 42.6% | 66.2%-23.6pp | 78.2%-35.6pp | 67.6%-25.0pp |
| Annual return | 14.93% | 33.34%-18.4pp | 64.81%-49.9pp | 35.63%-20.7pp |
| Employer contribution / active EE | $918 | $3,102-70.4% | $4,675-80.4% | $2,756-66.7% |
| Participant deferral / active EE | $2,012 | $3,451-41.7% | $5,629-64.3% | $4,297-53.2% |
| Admin fee / account holder | $417 | $7,992-94.8% | $15,923-97.4% | $6,935-94.0% |