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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 | $8,286 | $93,598-91.1% | $135,974-93.9% | $75,173-89.0% |
| Participation rate | 68.8% | 75.2%-6.4pp | 81.9%-13.2pp | 67.2%+1.5pp |
| Annual return | 27.72% | 30.89%-3.2pp | 68.30%-40.6pp | 160.72%-133.0pp |
| Employer contribution / active EE | $938 | $3,538-73.5% | $4,859-80.7% | $2,671-64.9% |
| Participant deferral / active EE | $2,792 | $6,405-56.4% | $7,760-64.0% | $4,126-32.3% |
| Admin fee / account holder | $961 | $6,978-86.2% | $10,767-91.1% | $5,651-83.0% |