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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 | $9,132 | $81,331-88.8% | $155,534-94.1% | $80,935-88.7% |
| Participation rate | 42.6% | 66.3%-23.6pp | 78.2%-35.6pp | 67.7%-25.0pp |
| Annual return | 12.68% | 33.37%-20.7pp | 64.92%-52.2pp | 35.66%-23.0pp |
| Employer contribution / active EE | $1,668 | $3,105-46.3% | $4,675-64.3% | $2,757-39.5% |
| Participant deferral / active EE | $1,428 | $3,454-58.7% | $5,630-74.6% | $4,299-66.8% |
| Admin fee / account holder | $388 | $7,999-95.2% | $15,900-97.6% | $6,924-94.4% |