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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 | $6,555 | $49,896-86.9% | $80,627-91.9% | $75,173-91.3% |
| Participation rate | 42.9% | 55.3%-12.5pp | 67.0%-24.2pp | 67.2%-24.3pp |
| Annual return | 17.22% | 34.67%-17.5pp | 936.76%-919.5pp | 160.72%-143.5pp |
| Employer contribution / active EE | $1,134 | $1,699-33.2% | $2,723-58.3% | $2,671-57.5% |
| Participant deferral / active EE | $2,327 | $2,992-22.2% | $4,443-47.6% | $4,126-43.6% |
| Admin fee / account holder | $1,481 | $3,578-58.6% | $5,381-72.5% | $5,651-73.8% |