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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 | $8,272 | $107,030-92.3% | $73,550-88.8% | $147,586-94.4% |
| Participation rate | 66.7% | 66.4%+0.3pp | 54.9%+11.7pp | 82.8%-16.2pp |
| Annual return | 33.37% | 38.25%-4.9pp | -15.16%+48.5pp | 578.59%-545.2pp |
| Employer contribution / active EE | $1,287 | $1,760-26.9% | $1,219+5.6% | $4,876-73.6% |
| Participant deferral / active EE | $2,331 | $2,458-5.2% | $1,804+29.2% | $5,439-57.1% |
| Admin fee / account holder | $446 | $3,055-85.4% | $2,320-80.8% | $10,886-95.9% |