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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 | $14,547 | $76,551-81.0% | $123,894-88.3% | $62,881-76.9% |
| Participation rate | 67.4% | 73.0%-5.5pp | 81.4%-14.0pp | 69.3%-1.9pp |
| Annual return | 52.24% | 18.68%+33.6pp | 47.52%+4.7pp | 20.14%+32.1pp |
| Employer contribution / active EE | $1,321 | $2,882-54.2% | $4,617-71.4% | $2,281-42.1% |
| Participant deferral / active EE | $5,993 | $4,840+23.8% | $5,984+0.2% | $3,203+87.1% |
| Admin fee / account holder | $2,295 | $4,826-52.4% | $8,357-72.5% | $4,296-46.6% |