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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 | $5,744 | $58,627-90.2% | $76,735-92.5% | $82,448-93.0% |
| Participation rate | 62.5% | 63.2%-0.7pp | 69.5%-7.0pp | 68.1%-5.6pp |
| Annual return | 19.36% | 39.10%-19.7pp | 29.77%-10.4pp | 41.64%-22.3pp |
| Employer contribution / active EE | $576 | $1,729-66.7% | $2,454-76.5% | $2,551-77.4% |
| Participant deferral / active EE | $1,207 | $3,134-61.5% | $4,088-70.5% | $4,139-70.8% |
| Admin fee / account holder | $1,101 | $5,323-79.3% | $7,189-84.7% | $7,234-84.8% |