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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 | $11,793 | $56,544-79.1% | $75,501-84.4% | $70,126-83.2% |
| Participation rate | 57.5% | 68.1%-10.6pp | 72.4%-14.9pp | 69.5%-12.0pp |
| Annual return | 14.61% | 23.59%-9.0pp | 27.35%-12.7pp | 73.15%-58.5pp |
| Employer contribution / active EE | $641 | $1,817-64.7% | $2,352-72.7% | $2,343-72.6% |
| Participant deferral / active EE | $1,438 | $2,580-44.3% | $3,142-54.2% | $3,332-56.8% |
| Admin fee / account holder | $534 | $3,827-86.0% | $5,801-90.8% | $4,645-88.5% |