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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 | $8,515 | $127,100-93.3% | $105,738-91.9% | $135,382-93.7% |
| Participation rate | 57.1% | 82.7%-25.6pp | 76.3%-19.2pp | 82.6%-25.5pp |
| Annual return | -6.85% | 4.49%-11.3pp | 6.27%-13.1pp | 519.77%-526.6pp |
| Employer contribution / active EE | $1,145 | $4,107-72.1% | $3,268-65.0% | $4,779-76.0% |
| Participant deferral / active EE | $1,584 | $5,064-68.7% | $4,080-61.2% | $5,609-71.8% |
| Admin fee / account holder | $985 | $9,087-89.2% | $6,913-85.7% | $10,829-90.9% |