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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 | $6,959 | $103,949-93.3% | $69,182-89.9% | $273,972-97.5% |
| Participation rate | 61.1% | 67.4%-6.3pp | 55.1%+6.0pp | 83.0%-21.9pp |
| Annual return | 14.53% | 35.28%-20.7pp | -21.93%+36.5pp | 41.46%-26.9pp |
| Employer contribution / active EE | $2,064 | $1,783+15.7% | $1,206+71.1% | $4,869-57.6% |
| Participant deferral / active EE | $1,392 | $2,716-48.8% | $1,897-26.6% | $5,287-73.7% |
| Admin fee / account holder | $436 | $3,671-88.1% | $2,697-83.8% | $10,133-95.7% |