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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 | $8,256 | $52,279-84.2% | $89,435-90.8% | $79,856-89.7% |
| Participation rate | 62.1% | 57.5%+4.5pp | 68.0%-5.9pp | 69.6%-7.6pp |
| Annual return | 14.37% | 22.16%-7.8pp | 245.55%-231.2pp | 31.71%-17.3pp |
| Employer contribution / active EE | $692 | $1,572-56.0% | $2,587-73.3% | $2,471-72.0% |
| Participant deferral / active EE | $1,085 | $2,740-60.4% | $3,890-72.1% | $3,741-71.0% |
| Admin fee / account holder | $352 | $3,356-89.5% | $4,884-92.8% | $5,306-93.4% |