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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 | $7,621 | $51,638-85.2% | $129,406-94.1% | $80,959-90.6% |
| Participation rate | 46.4% | 56.9%-10.5pp | 69.6%-23.2pp | 67.7%-21.2pp |
| Annual return | 14.95% | 20.78%-5.8pp | 9468.18%-9453.2pp | 35.67%-20.7pp |
| Employer contribution / active EE | $1,143 | $1,584-27.8% | $4,155-72.5% | $2,757-58.5% |
| Participant deferral / active EE | $1,736 | $2,670-35.0% | $4,167-58.3% | $4,300-59.6% |
| Admin fee / account holder | $1,505 | $4,313-65.1% | $7,689-80.4% | $6,925-78.3% |