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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 | $6,987 | $77,908-91.0% | $149,696-95.3% | $75,173-90.7% |
| Participation rate | 41.2% | 65.6%-24.4pp | 78.8%-37.6pp | 67.2%-26.0pp |
| Annual return | 30.38% | 31.73%-1.3pp | 134.46%-104.1pp | 160.72%-130.3pp |
| Employer contribution / active EE | $674 | $3,138-78.5% | $4,821-86.0% | $2,671-74.8% |
| Participant deferral / active EE | $1,274 | $3,411-62.7% | $5,682-77.6% | $4,126-69.1% |
| Admin fee / account holder | $371 | $5,950-93.8% | $13,212-97.2% | $5,651-93.4% |