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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 | $8,854 | $87,546-89.9% | $75,784-88.3% | $125,389-92.9% |
| Participation rate | 47.6% | 80.2%-32.6pp | 75.8%-28.2pp | 83.2%-35.6pp |
| Annual return | -3.17% | 13.49%-16.7pp | 9.68%-12.8pp | 282.24%-285.4pp |
| Employer contribution / active EE | $957 | $3,930-75.6% | $3,323-71.2% | $4,866-80.3% |
| Participant deferral / active EE | $2,562 | $4,230-39.4% | $3,652-29.8% | $5,352-52.1% |
| Admin fee / account holder | $690 | $6,503-89.4% | $5,300-87.0% | $9,541-92.8% |