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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 | $8,380 | $81,331-89.7% | $155,534-94.6% | $80,935-89.6% |
| Participation rate | 46.3% | 66.3%-20.0pp | 78.2%-31.9pp | 67.7%-21.4pp |
| Annual return | 60.41% | 33.37%+27.0pp | 64.92%-4.5pp | 35.66%+24.8pp |
| Employer contribution / active EE | $1,138 | $3,105-63.3% | $4,675-75.7% | $2,757-58.7% |
| Participant deferral / active EE | $1,623 | $3,454-53.0% | $5,630-71.2% | $4,299-62.3% |
| Admin fee / account holder | $901 | $7,999-88.7% | $15,900-94.3% | $6,924-87.0% |