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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 | $8,335 | $54,763-84.8% | $90,324-90.8% | $72,976-88.6% |
| Participation rate | 66.7% | 65.2%+1.5pp | 73.3%-6.6pp | 69.5%-2.8pp |
| Annual return | 29.04% | 30.63%-1.6pp | 78.15%-49.1pp | 81.02%-52.0pp |
| Employer contribution / active EE | $1,509 | $2,093-27.9% | $2,856-47.2% | $2,440-38.2% |
| Participant deferral / active EE | $2,036 | $2,887-29.5% | $3,885-47.6% | $3,608-43.6% |
| Admin fee / account holder | $929 | $3,973-76.6% | $5,356-82.7% | $5,124-81.9% |