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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 | $8,748 | $118,496-92.6% | $98,461-91.1% | $139,466-93.7% |
| Participation rate | 50.0% | 77.5%-27.5pp | 75.2%-25.2pp | 80.3%-30.3pp |
| Annual return | 22.73% | 18.96%+3.8pp | 21.17%+1.6pp | 373.66%-350.9pp |
| Employer contribution / active EE | $1,507 | $3,611-58.3% | $3,049-50.6% | $4,754-68.3% |
| Participant deferral / active EE | $2,286 | $5,393-57.6% | $4,738-51.8% | $6,712-65.9% |
| Admin fee / account holder | $5,276 | $14,056-62.5% | $8,961-41.1% | $11,409-53.8% |