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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 | $5,946 | $41,016-85.5% | $152,093-96.1% | $64,097-90.7% |
| Participation rate | 33.3% | 51.3%-18.0pp | 77.8%-44.4pp | 55.2%-21.9pp |
| Annual return | 16.59% | 39.60%-23.0pp | 66.36%-49.8pp | 34.64%-18.1pp |
| Employer contribution / active EE | $432 | $1,342-67.8% | $4,175-89.6% | $1,891-77.1% |
| Participant deferral / active EE | $803 | $1,927-58.4% | $5,451-85.3% | $3,080-73.9% |
| Admin fee / account holder | $323 | $2,305-86.0% | $14,497-97.8% | $3,454-90.7% |