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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 | $8,191 | $81,208-89.9% | $98,920-91.7% | $79,856-89.7% |
| Participation rate | 60.0% | 72.5%-12.5pp | 76.0%-16.0pp | 69.6%-9.6pp |
| Annual return | 41.56% | 60.99%-19.4pp | 196.47%-154.9pp | 31.71%+9.9pp |
| Employer contribution / active EE | $1,169 | $1,960-40.3% | $2,689-56.5% | $2,471-52.7% |
| Participant deferral / active EE | $2,555 | $3,265-21.7% | $4,245-39.8% | $3,741-31.7% |
| Admin fee / account holder | $849 | $6,013-85.9% | $6,643-87.2% | $5,306-84.0% |