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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 | $10,779 | $45,041-76.1% | $63,003-82.9% | $70,131-84.6% |
| Participation rate | 44.9% | 69.5%-24.6pp | 74.8%-29.9pp | 69.5%-24.6pp |
| Annual return | 12.09% | 18.76%-6.7pp | 87.59%-75.5pp | 73.14%-61.0pp |
| Employer contribution / active EE | $883 | $2,052-57.0% | $2,760-68.0% | $2,342-62.3% |
| Participant deferral / active EE | $1,843 | $2,465-25.2% | $3,329-44.6% | $3,332-44.7% |
| Admin fee / account holder | $1,676 | $2,836-40.9% | $3,600-53.4% | $4,645-63.9% |