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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 | $10,648 | $53,128-80.0% | $86,582-87.7% | $70,126-84.8% |
| Participation rate | 69.4% | 65.3%+4.1pp | 73.5%-4.1pp | 69.5%-0.1pp |
| Annual return | 13.10% | 27.66%-14.6pp | 965.08%-952.0pp | 73.15%-60.0pp |
| Employer contribution / active EE | $1,325 | $2,068-35.9% | $2,839-53.3% | $2,343-43.4% |
| Participant deferral / active EE | $1,414 | $2,695-47.5% | $3,609-60.8% | $3,332-57.6% |
| Admin fee / account holder | $6,859 | $3,584+91.4% | $4,904+39.9% | $4,645+47.6% |