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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 | $8,767 | $53,774-83.7% | $134,162-93.5% | $79,852-89.0% |
| Participation rate | 38.7% | 58.8%-20.1pp | 72.2%-33.5pp | 69.6%-30.9pp |
| Annual return | 17.82% | 19.01%-1.2pp | 36.35%-18.5pp | 31.72%-13.9pp |
| Employer contribution / active EE | $410 | $1,322-69.0% | $3,705-88.9% | $2,471-83.4% |
| Participant deferral / active EE | $1,196 | $2,420-50.6% | $3,500-65.8% | $3,740-68.0% |
| Admin fee / account holder | $1,101 | $3,985-72.4% | $6,685-83.5% | $5,306-79.3% |