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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 | $7,037 | $81,331-91.3% | $155,534-95.5% | $80,935-91.3% |
| Participation rate | 39.6% | 66.3%-26.7pp | 78.2%-38.6pp | 67.7%-28.1pp |
| Annual return | 17.75% | 33.37%-15.6pp | 64.92%-47.2pp | 35.66%-17.9pp |
| Employer contribution / active EE | $714 | $3,105-77.0% | $4,675-84.7% | $2,757-74.1% |
| Participant deferral / active EE | $1,876 | $3,454-45.7% | $5,630-66.7% | $4,299-56.4% |
| Admin fee / account holder | $10,310 | $7,999+28.9% | $15,900-35.2% | $6,924+48.9% |