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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 | $8,751 | $77,638-88.7% | $156,551-94.4% | $62,881-86.1% |
| Participation rate | 58.1% | 71.2%-13.1pp | 84.0%-25.9pp | 69.3%-11.2pp |
| Annual return | 26.84% | 50.33%-23.5pp | 32.23%-5.4pp | 20.14%+6.7pp |
| Employer contribution / active EE | $810 | $3,444-76.5% | $5,501-85.3% | $2,281-64.5% |
| Participant deferral / active EE | $1,564 | $3,046-48.6% | $4,871-67.9% | $3,203-51.2% |
| Admin fee / account holder | $862 | $5,561-84.5% | $13,028-93.4% | $4,296-79.9% |