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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 | $9,200 | $61,391-85.0% | $149,723-93.9% | $71,529-87.1% |
| Participation rate | 54.3% | 62.5%-8.2pp | 78.8%-24.5pp | 67.9%-13.6pp |
| Annual return | 19.59% | 35.88%-16.3pp | 134.50%-114.9pp | 28.97%-9.4pp |
| Employer contribution / active EE | $517 | $2,384-78.3% | $4,821-89.3% | $2,590-80.0% |
| Participant deferral / active EE | $1,747 | $2,921-40.2% | $5,682-69.2% | $4,291-59.3% |
| Admin fee / account holder | $3,409 | $1,264+169.7% | $13,215-74.2% | $1,588+114.6% |