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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 | $5,128 | $88,707-94.2% | $74,184-93.1% | $273,972-98.1% |
| Participation rate | 57.1% | 79.4%-22.3pp | 76.6%-19.5pp | 83.0%-25.9pp |
| Annual return | 17.22% | 11.94%+5.3pp | 17.74%-0.5pp | 41.46%-24.2pp |
| Employer contribution / active EE | $1,414 | $3,159-55.2% | $2,370-40.3% | $4,869-71.0% |
| Participant deferral / active EE | $2,996 | $4,212-28.9% | $3,550-15.6% | $5,287-43.3% |
| Admin fee / account holder | $1,571 | $8,717-82.0% | $5,586-71.9% | $10,133-84.5% |