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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 | $11,798 | $54,541-78.4% | $78,778-85.0% | $70,124-83.2% |
| Participation rate | 52.6% | 60.8%-8.2pp | 69.2%-16.6pp | 69.5%-16.9pp |
| Annual return | 15.84% | 21.07%-5.2pp | 35.62%-19.8pp | 73.14%-57.3pp |
| Employer contribution / active EE | $297 | $1,089-72.7% | $1,986-85.1% | $2,342-87.3% |
| Participant deferral / active EE | $1,013 | $2,210-54.2% | $2,958-65.8% | $3,332-69.6% |
| Admin fee / account holder | $426 | $3,709-88.5% | $5,134-91.7% | $4,645-90.8% |