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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 | $8,201 | $81,331-89.9% | $155,534-94.7% | $80,935-89.9% |
| Participation rate | 62.9% | 66.3%-3.4pp | 78.2%-15.4pp | 67.7%-4.8pp |
| Annual return | 13.13% | 33.37%-20.2pp | 64.92%-51.8pp | 35.66%-22.5pp |
| Employer contribution / active EE | $886 | $3,105-71.5% | $4,675-81.0% | $2,757-67.8% |
| Participant deferral / active EE | $1,514 | $3,454-56.2% | $5,630-73.1% | $4,299-64.8% |
| Admin fee / account holder | $2,386 | $7,999-70.2% | $15,900-85.0% | $6,924-65.5% |