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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 | $7,420 | $77,901-90.5% | $149,717-95.0% | $75,181-90.1% |
| Participation rate | 50.0% | 65.6%-15.6pp | 78.8%-28.8pp | 67.2%-17.2pp |
| Annual return | 13.82% | 31.73%-17.9pp | 134.41%-120.6pp | 160.69%-146.9pp |
| Employer contribution / active EE | $590 | $3,137-81.2% | $4,820-87.8% | $2,671-77.9% |
| Participant deferral / active EE | $1,086 | $3,411-68.2% | $5,682-80.9% | $4,126-73.7% |
| Admin fee / account holder | $1,111 | $5,949-81.3% | $13,213-91.6% | $5,650-80.3% |