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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 | $6,461 | $75,058-91.4% | $152,301-95.8% | $64,340-90.0% |
| Participation rate | 43.0% | 60.9%-17.9pp | 82.4%-39.5pp | 55.2%-12.3pp |
| Annual return | 24.75% | 29.93%-5.2pp | 80.50%-55.8pp | 24.14%+0.6pp |
| Employer contribution / active EE | $564 | $2,605-78.4% | $4,624-87.8% | $1,862-69.7% |
| Participant deferral / active EE | $1,398 | $5,041-72.3% | $8,004-82.5% | $2,980-53.1% |
| Admin fee / account holder | $790 | $4,050-80.5% | $14,398-94.5% | $3,703-78.7% |