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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 | $9,223 | $49,025-81.2% | $87,502-89.5% | $62,881-85.3% |
| Participation rate | 35.1% | 64.9%-29.7pp | 73.8%-38.7pp | 69.3%-34.2pp |
| Annual return | 5.19% | 10.02%-4.8pp | 12.21%-7.0pp | 20.14%-15.0pp |
| Employer contribution / active EE | $602 | $1,372-56.1% | $2,550-76.4% | $2,281-73.6% |
| Participant deferral / active EE | $1,129 | $2,289-50.7% | $3,149-64.1% | $3,203-64.8% |
| Admin fee / account holder | $581 | $4,065-85.7% | $4,221-86.2% | $4,296-86.5% |