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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 | $7,309 | $61,338-88.1% | $149,717-95.1% | $71,495-89.8% |
| Participation rate | 21.2% | 62.5%-41.3pp | 78.8%-57.5pp | 67.9%-46.7pp |
| Annual return | 21.33% | 35.86%-14.5pp | 134.41%-113.1pp | 28.85%-7.5pp |
| Employer contribution / active EE | $715 | $2,381-70.0% | $4,820-85.2% | $2,589-72.4% |
| Participant deferral / active EE | $1,571 | $2,919-46.2% | $5,682-72.4% | $4,291-63.4% |
| Admin fee / account holder | $2,509 | $1,263+98.7% | $13,213-81.0% | $1,588+58.0% |