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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 | $8,273 | $45,123-81.7% | $85,240-90.3% | $74,478-88.9% |
| Participation rate | 61.7% | 49.4%+12.3pp | 67.5%-5.9pp | 67.2%-5.6pp |
| Annual return | 23.37% | 26.32%-2.9pp | 66.75%-43.4pp | 1370.56%-1347.2pp |
| Employer contribution / active EE | $547 | $1,459-62.5% | $2,735-80.0% | $2,626-79.2% |
| Participant deferral / active EE | $2,824 | $2,736+3.2% | $4,527-37.6% | $4,350-35.1% |
| Admin fee / account holder | $2,091 | $2,215-5.6% | $6,165-66.1% | $1,946+7.5% |