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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 | $10,232 | $53,128-80.7% | $86,582-88.2% | $70,126-85.4% |
| Participation rate | 64.5% | 65.3%-0.8pp | 73.5%-9.0pp | 69.5%-5.0pp |
| Annual return | 19.32% | 27.66%-8.3pp | 965.08%-945.8pp | 73.15%-53.8pp |
| Employer contribution / active EE | $981 | $2,068-52.6% | $2,839-65.5% | $2,343-58.1% |
| Participant deferral / active EE | $1,336 | $2,695-50.4% | $3,609-63.0% | $3,332-59.9% |
| Admin fee / account holder | $545 | $3,584-84.8% | $4,904-88.9% | $4,645-88.3% |