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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 | $59,440-90.3% | $78,004-92.6% | $82,637-93.0% |
| Participation rate | 62.5% | 62.8%-0.3pp | 69.4%-6.9pp | 68.1%-5.6pp |
| Annual return | 19.36% | 40.24%-20.9pp | 31.07%-11.7pp | 53.51%-34.1pp |
| Employer contribution / active EE | $576 | $1,750-67.1% | $2,469-76.7% | $2,552-77.4% |
| Participant deferral / active EE | $1,207 | $3,138-61.5% | $4,092-70.5% | $4,126-70.7% |
| Admin fee / account holder | $1,101 | $5,504-80.0% | $7,578-85.5% | $7,339-85.0% |