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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 | $8,171 | $94,529-91.4% | $140,019-94.2% | $64,173-87.3% |
| Participation rate | 65.2% | 84.1%-18.9pp | 87.5%-22.3pp | 69.6%-4.4pp |
| Annual return | 3.94% | 7.77%-3.8pp | 651.17%-647.2pp | 7.63%-3.7pp |
| Employer contribution / active EE | $1,671 | $3,812-56.2% | $5,605-70.2% | $2,381-29.8% |
| Participant deferral / active EE | $2,592 | $5,250-50.6% | $6,927-62.6% | $3,470-25.3% |
| Admin fee / account holder | $1,338 | $6,741-80.2% | $10,705-87.5% | $4,887-72.6% |