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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 | $8,040 | $112,729-92.9% | $98,716-91.9% | $137,256-94.1% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.3%-9.3pp | 80.0%-20.0pp |
| Annual return | 20.23% | 38.48%-18.2pp | 31.81%-11.6pp | 220.34%-200.1pp |
| Employer contribution / active EE | $1,069 | $2,725-60.8% | $2,279-53.1% | $4,156-74.3% |
| Participant deferral / active EE | $1,759 | $4,640-62.1% | $4,048-56.5% | $6,407-72.5% |
| Admin fee / account holder | $2,184 | $10,129-78.4% | $8,703-74.9% | $12,270-82.2% |