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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 | $11,427 | $65,246-82.5% | $98,716-88.4% | $67,986-83.2% |
| Participation rate | 46.8% | 51.4%-4.6pp | 69.3%-22.5pp | 57.2%-10.4pp |
| Annual return | 16.84% | 20.58%-3.7pp | 31.81%-15.0pp | 31.67%-14.8pp |
| Employer contribution / active EE | $653 | $1,042-37.4% | $2,279-71.4% | $2,019-67.7% |
| Participant deferral / active EE | $1,071 | $2,594-58.7% | $4,048-73.5% | $3,358-68.1% |
| Admin fee / account holder | $1,002 | $4,561-78.0% | $8,703-88.5% | $3,203-68.7% |