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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 | $6,123 | $63,346-90.3% | $92,240-93.4% | $70,126-91.3% |
| Participation rate | 69.2% | 68.7%+0.6pp | 76.5%-7.3pp | 69.5%-0.3pp |
| Annual return | 18.10% | 530.19%-512.1pp | 176.29%-158.2pp | 73.15%-55.0pp |
| Employer contribution / active EE | $1,047 | $2,471-57.6% | $3,680-71.5% | $2,343-55.3% |
| Participant deferral / active EE | $1,678 | $2,854-41.2% | $3,897-56.9% | $3,332-49.6% |
| Admin fee / account holder | $572 | $3,841-85.1% | $5,194-89.0% | $4,645-87.7% |