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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 | $8,552 | $41,016-79.2% | $152,093-94.4% | $64,097-86.7% |
| Participation rate | 22.9% | 51.3%-28.5pp | 77.8%-54.9pp | 55.2%-32.3pp |
| Annual return | 13.78% | 39.60%-25.8pp | 66.36%-52.6pp | 34.64%-20.9pp |
| Employer contribution / active EE | $241 | $1,342-82.0% | $4,175-94.2% | $1,891-87.3% |
| Participant deferral / active EE | $703 | $1,927-63.5% | $5,451-87.1% | $3,080-77.2% |
| Admin fee / account holder | $917 | $2,305-60.2% | $14,497-93.7% | $3,454-73.4% |