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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 | $8,437 | $40,264-79.0% | $57,349-85.3% | $59,633-85.9% |
| Participation rate | 47.6% | 69.2%-21.5pp | 75.1%-27.5pp | 68.7%-21.1pp |
| Annual return | -1.95% | 27.51%-29.5pp | 24.40%-26.4pp | 2041.40%-2043.3pp |
| Employer contribution / active EE | $858 | $1,922-55.4% | $2,689-68.1% | $2,203-61.1% |
| Participant deferral / active EE | $991 | $2,400-58.7% | $3,162-68.7% | $3,192-69.0% |
| Admin fee / account holder | $1,317 | $2,819-53.3% | $3,356-60.8% | $4,297-69.4% |