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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 | $8,617 | $81,331-89.4% | $155,534-94.5% | $80,935-89.4% |
| Participation rate | 56.4% | 66.3%-9.8pp | 78.2%-21.8pp | 67.7%-11.3pp |
| Annual return | 27.82% | 33.37%-5.6pp | 64.92%-37.1pp | 35.66%-7.8pp |
| Employer contribution / active EE | $659 | $3,105-78.8% | $4,675-85.9% | $2,757-76.1% |
| Participant deferral / active EE | $1,079 | $3,454-68.8% | $5,630-80.8% | $4,299-74.9% |
| Admin fee / account holder | $1,095 | $7,999-86.3% | $15,900-93.1% | $6,924-84.2% |