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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 | $8,348 | $48,050-82.6% | $85,969-90.3% | $59,632-86.0% |
| Participation rate | 59.4% | 64.5%-5.1pp | 76.5%-17.2pp | 68.7%-9.3pp |
| Annual return | -0.39% | 0.29%-0.7pp | 9.32%-9.7pp | 2041.32%-2041.7pp |
| Employer contribution / active EE | $767 | $1,640-53.2% | $3,474-77.9% | $2,203-65.2% |
| Participant deferral / active EE | $2,014 | $2,249-10.5% | $3,829-47.4% | $3,192-36.9% |
| Admin fee / account holder | $640 | $3,206-80.0% | $6,053-89.4% | $4,297-85.1% |