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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 | $8,942 | $72,492-87.7% | $87,104-89.7% | $72,975-87.7% |
| Participation rate | 44.1% | 72.8%-28.7pp | 76.9%-32.8pp | 69.5%-25.4pp |
| Annual return | 34.00% | 24.46%+9.5pp | 28.19%+5.8pp | 81.01%-47.0pp |
| Employer contribution / active EE | $1,062 | $1,894-43.9% | $2,521-57.9% | $2,440-56.5% |
| Participant deferral / active EE | $1,625 | $3,270-50.3% | $4,048-59.9% | $3,608-55.0% |
| Admin fee / account holder | $496 | $5,055-90.2% | $7,491-93.4% | $5,124-90.3% |