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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 | $7,446 | $72,492-89.7% | $87,102-91.5% | $72,983-89.8% |
| Participation rate | 45.7% | 72.8%-27.1pp | 76.9%-31.2pp | 69.5%-23.8pp |
| Annual return | 46.51% | 24.46%+22.1pp | 28.19%+18.3pp | 81.01%-34.5pp |
| Employer contribution / active EE | $1,304 | $1,894-31.1% | $2,521-48.3% | $2,440-46.5% |
| Participant deferral / active EE | $2,093 | $3,270-36.0% | $4,048-48.3% | $3,608-42.0% |
| Admin fee / account holder | $390 | $5,055-92.3% | $7,491-94.8% | $5,124-92.4% |