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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 | $6,157 | $58,627-89.5% | $76,735-92.0% | $82,448-92.5% |
| Participation rate | 58.8% | 63.2%-4.4pp | 69.5%-10.7pp | 68.1%-9.2pp |
| Annual return | 16.60% | 39.10%-22.5pp | 29.77%-13.2pp | 41.64%-25.0pp |
| Employer contribution / active EE | $469 | $1,729-72.9% | $2,454-80.9% | $2,551-81.6% |
| Participant deferral / active EE | $1,351 | $3,134-56.9% | $4,088-67.0% | $4,139-67.4% |
| Admin fee / account holder | $1,034 | $5,323-80.6% | $7,189-85.6% | $7,234-85.7% |