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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 | $8,558 | $78,670-89.1% | $109,173-92.2% | $85,847-90.0% |
| Participation rate | 62.5% | 68.3%-5.8pp | 75.9%-13.4pp | 69.3%-6.8pp |
| Annual return | 15.59% | 25.09%-9.5pp | 25.75%-10.2pp | 318.61%-303.0pp |
| Employer contribution / active EE | $1,591 | $2,734-41.8% | $3,723-57.3% | $2,565-38.0% |
| Participant deferral / active EE | $2,675 | $3,467-22.9% | $4,654-42.5% | $3,952-32.3% |
| Admin fee / account holder | $863 | $5,469-84.2% | $6,755-87.2% | $6,261-86.2% |