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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 | $8,212 | $78,690-89.6% | $161,489-94.9% | $87,485-90.6% |
| Participation rate | 59.3% | 67.5%-8.2pp | 78.7%-19.4pp | 68.9%-9.7pp |
| Annual return | 21.28% | 32.74%-11.5pp | 89.72%-68.4pp | 26.06%-4.8pp |
| Employer contribution / active EE | $1,241 | $2,588-52.1% | $4,268-70.9% | $2,596-52.2% |
| Participant deferral / active EE | $1,318 | $3,311-60.2% | $5,630-76.6% | $4,274-69.2% |
| Admin fee / account holder | $514 | $6,724-92.4% | $16,006-96.8% | $7,775-93.4% |