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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 | $9,108 | $60,139-84.9% | $90,461-89.9% | $79,856-88.6% |
| Participation rate | 52.2% | 65.0%-12.8pp | 72.7%-20.5pp | 69.6%-17.5pp |
| Annual return | 16.80% | 71.96%-55.2pp | 1294.76%-1278.0pp | 31.71%-14.9pp |
| Employer contribution / active EE | $587 | $2,069-71.6% | $3,264-82.0% | $2,471-76.3% |
| Participant deferral / active EE | $970 | $2,939-67.0% | $3,964-75.5% | $3,741-74.1% |
| Admin fee / account holder | $2,187 | $3,978-45.0% | $5,617-61.1% | $5,306-58.8% |