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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 | $7,266 | $77,638-90.6% | $156,551-95.4% | $62,881-88.4% |
| Participation rate | 39.6% | 71.2%-31.6pp | 84.0%-44.5pp | 69.3%-29.7pp |
| Annual return | 7.79% | 50.33%-42.5pp | 32.23%-24.4pp | 20.14%-12.4pp |
| Employer contribution / active EE | $460 | $3,444-86.6% | $5,501-91.6% | $2,281-79.8% |
| Participant deferral / active EE | $1,193 | $3,046-60.8% | $4,871-75.5% | $3,203-62.8% |
| Admin fee / account holder | $1,393 | $5,561-74.9% | $13,028-89.3% | $4,296-67.6% |