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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 | $7,231 | $78,690-90.8% | $161,489-95.5% | $87,485-91.7% |
| Participation rate | 28.6% | 67.5%-38.9pp | 78.7%-50.1pp | 68.9%-40.4pp |
| Annual return | 26.53% | 32.74%-6.2pp | 89.72%-63.2pp | 26.06%+0.5pp |
| Employer contribution / active EE | $385 | $2,588-85.1% | $4,268-91.0% | $2,596-85.2% |
| Participant deferral / active EE | $1,087 | $3,311-67.2% | $5,630-80.7% | $4,274-74.6% |
| Admin fee / account holder | $1,003 | $6,724-85.1% | $16,006-93.7% | $7,775-87.1% |