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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 | $7,863 | $81,331-90.3% | $155,534-94.9% | $80,935-90.3% |
| Participation rate | 58.7% | 66.3%-7.5pp | 78.2%-19.5pp | 67.7%-8.9pp |
| Annual return | 68.57% | 33.37%+35.2pp | 64.92%+3.7pp | 35.66%+32.9pp |
| Employer contribution / active EE | $624 | $3,105-79.9% | $4,675-86.7% | $2,757-77.4% |
| Participant deferral / active EE | $969 | $3,454-71.9% | $5,630-82.8% | $4,299-77.5% |
| Admin fee / account holder | $827 | $7,999-89.7% | $15,900-94.8% | $6,924-88.1% |