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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 | $12,270 | $47,944-74.4% | $67,834-81.9% | $62,881-80.5% |
| Participation rate | 66.7% | 61.1%+5.6pp | 68.8%-2.1pp | 69.3%-2.6pp |
| Annual return | 7.40% | 11.77%-4.4pp | 138.47%-131.1pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,354 | $1,562-13.3% | $2,403-43.7% | $2,281-40.6% |
| Participant deferral / active EE | $1,901 | $2,247-15.4% | $3,160-39.8% | $3,203-40.6% |
| Admin fee / account holder | $1,493 | $3,712-59.8% | $4,622-67.7% | $4,296-65.2% |