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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 | $7,698 | $71,208-89.2% | $93,681-91.8% | $80,911-90.5% |
| Participation rate | 25.0% | 60.4%-35.4pp | 68.7%-43.7pp | 67.6%-42.6pp |
| Annual return | 25.17% | 11.27%+13.9pp | 133.47%-108.3pp | 35.63%-10.5pp |
| Employer contribution / active EE | $746 | $1,564-52.3% | $2,422-69.2% | $2,756-72.9% |
| Participant deferral / active EE | $1,404 | $4,035-65.2% | $4,415-68.2% | $4,297-67.3% |
| Admin fee / account holder | $2,494 | $6,951-64.1% | $8,290-69.9% | $6,935-64.0% |