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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 | $8,900 | $118,488-92.5% | $98,462-91.0% | $139,487-93.6% |
| Participation rate | 63.6% | 77.5%-13.8pp | 75.2%-11.5pp | 80.3%-16.7pp |
| Annual return | 28.87% | 18.96%+9.9pp | 21.17%+7.7pp | 373.84%-345.0pp |
| Employer contribution / active EE | $1,022 | $3,611-71.7% | $3,049-66.5% | $4,755-78.5% |
| Participant deferral / active EE | $1,822 | $5,393-66.2% | $4,738-61.5% | $6,713-72.9% |
| Admin fee / account holder | $768 | $13,868-94.5% | $8,875-91.3% | $11,407-93.3% |