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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 | $8,359 | $45,082-81.5% | $69,464-88.0% | $72,975-88.5% |
| Participation rate | 44.0% | 68.5%-24.5pp | 74.6%-30.6pp | 69.5%-25.5pp |
| Annual return | 47.15% | 22.66%+24.5pp | 28.98%+18.2pp | 81.01%-33.9pp |
| Employer contribution / active EE | $548 | $2,055-73.3% | $2,779-80.3% | $2,440-77.5% |
| Participant deferral / active EE | $989 | $2,604-62.0% | $3,536-72.0% | $3,608-72.6% |
| Admin fee / account holder | $314 | $3,057-89.7% | $3,840-91.8% | $5,124-93.9% |