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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 | $8,717 | $54,541-84.0% | $78,778-88.9% | $70,124-87.6% |
| Participation rate | 35.9% | 60.8%-24.9pp | 69.2%-33.3pp | 69.5%-33.6pp |
| Annual return | 21.74% | 21.07%+0.7pp | 35.62%-13.9pp | 73.14%-51.4pp |
| Employer contribution / active EE | $288 | $1,089-73.6% | $1,986-85.5% | $2,342-87.7% |
| Participant deferral / active EE | $1,209 | $2,210-45.3% | $2,958-59.1% | $3,332-63.7% |
| Admin fee / account holder | $926 | $3,709-75.0% | $5,134-82.0% | $4,645-80.1% |