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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 | $8,552 | $47,944-82.2% | $67,834-87.4% | $62,881-86.4% |
| Participation rate | 43.1% | 61.1%-17.9pp | 68.8%-25.7pp | 69.3%-26.2pp |
| Annual return | 5.22% | 11.77%-6.5pp | 138.47%-133.2pp | 20.14%-14.9pp |
| Employer contribution / active EE | $274 | $1,562-82.5% | $2,403-88.6% | $2,281-88.0% |
| Participant deferral / active EE | $981 | $2,247-56.4% | $3,160-69.0% | $3,203-69.4% |
| Admin fee / account holder | $2,689 | $3,712-27.6% | $4,622-41.8% | $4,296-37.4% |