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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 | $6,766 | $48,053-85.9% | $84,628-92.0% | $72,975-90.7% |
| Participation rate | 42.9% | 57.6%-14.7pp | 68.2%-25.4pp | 69.5%-26.6pp |
| Annual return | 19.28% | 37.39%-18.1pp | 258.80%-239.5pp | 81.01%-61.7pp |
| Employer contribution / active EE | $1,076 | $1,602-32.8% | $2,653-59.4% | $2,440-55.9% |
| Participant deferral / active EE | $1,757 | $2,681-34.4% | $3,900-54.9% | $3,608-51.3% |
| Admin fee / account holder | $867 | $3,395-74.5% | $4,914-82.4% | $5,124-83.1% |