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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 | $10,762 | $58,523-81.6% | $99,475-89.2% | $72,975-85.3% |
| Participation rate | 57.5% | 64.6%-7.1pp | 73.8%-16.3pp | 69.5%-12.0pp |
| Annual return | 22.20% | 28.51%-6.3pp | 30.72%-8.5pp | 81.01%-58.8pp |
| Employer contribution / active EE | $758 | $1,512-49.9% | $2,540-70.2% | $2,440-68.9% |
| Participant deferral / active EE | $1,799 | $2,606-31.0% | $3,619-50.3% | $3,608-50.1% |
| Admin fee / account holder | $856 | $4,102-79.1% | $6,252-86.3% | $5,124-83.3% |