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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 | $8,211 | $81,358-89.9% | $155,556-94.7% | $80,959-89.9% |
| Participation rate | 47.4% | 66.3%-18.9pp | 78.2%-30.9pp | 67.7%-20.3pp |
| Annual return | 10.97% | 33.39%-22.4pp | 64.84%-53.9pp | 35.67%-24.7pp |
| Employer contribution / active EE | $995 | $3,106-68.0% | $4,675-78.7% | $2,757-63.9% |
| Participant deferral / active EE | $1,274 | $3,455-63.1% | $5,631-77.4% | $4,300-70.4% |
| Admin fee / account holder | $2,177 | $7,994-72.8% | $15,885-86.3% | $6,925-68.6% |