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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 | $11,640 | $47,944-75.7% | $67,834-82.8% | $62,881-81.5% |
| Participation rate | 31.9% | 61.1%-29.2pp | 68.8%-36.9pp | 69.3%-37.4pp |
| Annual return | 9.26% | 11.77%-2.5pp | 138.47%-129.2pp | 20.14%-10.9pp |
| Employer contribution / active EE | $535 | $1,562-65.8% | $2,403-77.7% | $2,281-76.6% |
| Participant deferral / active EE | $1,016 | $2,247-54.8% | $3,160-67.9% | $3,203-68.3% |
| Admin fee / account holder | $720 | $3,712-80.6% | $4,622-84.4% | $4,296-83.2% |