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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 | $7,931 | $45,343-82.5% | $150,298-94.7% | $67,986-88.3% |
| Participation rate | 52.4% | 51.9%+0.5pp | 77.8%-25.4pp | 57.2%-4.8pp |
| Annual return | 15.68% | 33.28%-17.6pp | 62.79%-47.1pp | 31.67%-16.0pp |
| Employer contribution / active EE | $447 | $1,462-69.4% | $4,154-89.2% | $2,019-77.9% |
| Participant deferral / active EE | $1,016 | $2,055-50.5% | $5,453-81.4% | $3,358-69.7% |
| Admin fee / account holder | $461 | $2,250-79.5% | $14,116-96.7% | $3,203-85.6% |