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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 | $8,407 | $45,087-81.4% | $69,483-87.9% | $72,976-88.5% |
| Participation rate | 34.6% | 68.5%-33.9pp | 74.6%-40.0pp | 69.5%-34.9pp |
| Annual return | 27.14% | 22.67%+4.5pp | 28.99%-1.9pp | 81.02%-53.9pp |
| Employer contribution / active EE | $526 | $2,055-74.4% | $2,780-81.1% | $2,440-78.5% |
| Participant deferral / active EE | $1,325 | $2,603-49.1% | $3,537-62.5% | $3,608-63.3% |
| Admin fee / account holder | $1,145 | $3,057-62.6% | $3,841-70.2% | $5,124-77.7% |