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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 | $8,040 | $64,324-87.5% | $118,914-93.2% | $79,856-89.9% |
| Participation rate | 37.0% | 64.9%-27.8pp | 75.4%-38.4pp | 69.6%-32.6pp |
| Annual return | 28.39% | 86.45%-58.1pp | 35.89%-7.5pp | 31.71%-3.3pp |
| Employer contribution / active EE | $832 | $1,836-54.7% | $3,264-74.5% | $2,471-66.3% |
| Participant deferral / active EE | $2,275 | $2,824-19.4% | $4,266-46.7% | $3,741-39.2% |
| Admin fee / account holder | $721 | $4,040-82.2% | $6,582-89.0% | $5,306-86.4% |