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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 | $8,021 | $45,900-82.5% | $94,057-91.5% | $64,340-87.5% |
| Participation rate | 25.2% | 50.6%-25.4pp | 73.3%-48.2pp | 55.2%-30.1pp |
| Annual return | 22.35% | 50.47%-28.1pp | 480.62%-458.3pp | 24.14%-1.8pp |
| Employer contribution / active EE | $371 | $1,612-77.0% | $2,933-87.3% | $1,862-80.0% |
| Participant deferral / active EE | $834 | $2,102-60.3% | $4,709-82.3% | $2,980-72.0% |
| Admin fee / account holder | $1,852 | $3,143-41.1% | $7,244-74.4% | $3,703-50.0% |