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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 | $7,935 | $77,638-89.8% | $156,551-94.9% | $62,881-87.4% |
| Participation rate | 47.1% | 71.2%-24.1pp | 84.0%-36.9pp | 69.3%-22.2pp |
| Annual return | 24.88% | 50.33%-25.4pp | 32.23%-7.3pp | 20.14%+4.7pp |
| Employer contribution / active EE | $800 | $3,444-76.8% | $5,501-85.5% | $2,281-64.9% |
| Participant deferral / active EE | $1,166 | $3,046-61.7% | $4,871-76.1% | $3,203-63.6% |
| Admin fee / account holder | $388 | $5,561-93.0% | $13,028-97.0% | $4,296-91.0% |