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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 | $10,144 | $98,240-89.7% | $82,312-87.7% | $147,586-93.1% |
| Participation rate | 57.9% | 79.7%-21.8pp | 76.9%-19.0pp | 82.8%-24.9pp |
| Annual return | 22.01% | 30.85%-8.8pp | 25.88%-3.9pp | 578.59%-556.6pp |
| Employer contribution / active EE | $645 | $3,192-79.8% | $2,428-73.5% | $4,876-86.8% |
| Participant deferral / active EE | $1,926 | $4,383-56.1% | $3,706-48.0% | $5,439-64.6% |
| Admin fee / account holder | $497 | $8,563-94.2% | $5,608-91.1% | $10,886-95.4% |