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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 | $2,061 | $36,948-94.4% | $73,658-97.2% | $87,485-97.6% |
| Participation rate | 46.9% | 46.8%+0.1pp | 57.0%-10.2pp | 68.9%-22.1pp |
| Annual return | 24.08% | 28.64%-4.6pp | 29.72%-5.6pp | 26.06%-2.0pp |
| Employer contribution / active EE | $137 | $670-79.6% | $1,032-86.8% | $2,596-94.7% |
| Participant deferral / active EE | $561 | $1,379-59.3% | $2,062-72.8% | $4,274-86.9% |
| Admin fee / account holder | $465 | $2,531-81.6% | $3,357-86.1% | $7,775-94.0% |