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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 | $7,629 | $45,082-83.1% | $69,464-89.0% | $72,975-89.5% |
| Participation rate | 53.6% | 68.5%-14.9pp | 74.6%-21.0pp | 69.5%-15.9pp |
| Annual return | 15.98% | 22.66%-6.7pp | 28.98%-13.0pp | 81.01%-65.0pp |
| Employer contribution / active EE | $660 | $2,055-67.9% | $2,779-76.3% | $2,440-73.0% |
| Participant deferral / active EE | $1,334 | $2,604-48.8% | $3,536-62.3% | $3,608-63.0% |
| Admin fee / account holder | $841 | $3,057-72.5% | $3,840-78.1% | $5,124-83.6% |