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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 | $8,434 | $91,198-90.8% | $178,503-95.3% | $79,856-89.4% |
| Participation rate | 37.2% | 69.2%-32.0pp | 81.9%-44.8pp | 69.6%-32.5pp |
| Annual return | 20.55% | 24.20%-3.6pp | 151.12%-130.6pp | 31.71%-11.2pp |
| Employer contribution / active EE | $426 | $3,257-86.9% | $5,011-91.5% | $2,471-82.8% |
| Participant deferral / active EE | $1,314 | $3,237-59.4% | $5,202-74.7% | $3,741-64.9% |
| Admin fee / account holder | $716 | $6,748-89.4% | $13,987-94.9% | $5,306-86.5% |