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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 | $8,808 | $89,515-90.2% | $103,065-91.5% | $80,959-89.1% |
| Participation rate | 42.9% | 76.0%-33.1pp | 80.6%-37.7pp | 67.7%-24.8pp |
| Annual return | 15.55% | 22.82%-7.3pp | 23.95%-8.4pp | 35.67%-20.1pp |
| Employer contribution / active EE | $1,162 | $4,015-71.1% | $4,675-75.1% | $2,757-57.9% |
| Participant deferral / active EE | $2,160 | $5,463-60.5% | $6,625-67.4% | $4,300-49.8% |
| Admin fee / account holder | $832 | $6,527-87.2% | $9,349-91.1% | $6,925-88.0% |