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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 | $8,202 | $78,690-89.6% | $161,489-94.9% | $87,485-90.6% |
| Participation rate | 53.3% | 67.5%-14.1pp | 78.7%-25.4pp | 68.9%-15.6pp |
| Annual return | 26.32% | 32.74%-6.4pp | 89.72%-63.4pp | 26.06%+0.3pp |
| Employer contribution / active EE | $868 | $2,588-66.5% | $4,268-79.7% | $2,596-66.6% |
| Participant deferral / active EE | $1,774 | $3,311-46.4% | $5,630-68.5% | $4,274-58.5% |
| Admin fee / account holder | $308 | $6,724-95.4% | $16,006-98.1% | $7,775-96.0% |