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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 | $8,576 | $72,177-88.1% | $115,038-92.5% | $59,633-85.6% |
| Participation rate | 63.3% | 72.6%-9.2pp | 81.4%-18.0pp | 68.7%-5.3pp |
| Annual return | -1.26% | 12.02%-13.3pp | 26.14%-27.4pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $528 | $2,841-81.4% | $4,608-88.5% | $2,203-76.0% |
| Participant deferral / active EE | $2,255 | $4,783-52.8% | $6,026-62.6% | $3,192-29.3% |
| Admin fee / account holder | $1,719 | $4,927-65.1% | $8,175-79.0% | $4,297-60.0% |