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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 | $9,418 | $52,279-82.0% | $89,435-89.5% | $79,856-88.2% |
| Participation rate | 34.2% | 57.5%-23.3pp | 68.0%-33.8pp | 69.6%-35.4pp |
| Annual return | 35.26% | 22.16%+13.1pp | 245.55%-210.3pp | 31.71%+3.6pp |
| Employer contribution / active EE | $491 | $1,572-68.7% | $2,587-81.0% | $2,471-80.1% |
| Participant deferral / active EE | $1,531 | $2,740-44.1% | $3,890-60.6% | $3,741-59.1% |
| Admin fee / account holder | $1,541 | $3,356-54.1% | $4,884-68.5% | $5,306-71.0% |