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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 | $11,232 | $91,179-87.7% | $178,499-93.7% | $79,852-85.9% |
| Participation rate | 67.6% | 69.2%-1.6pp | 81.9%-14.3pp | 69.6%-2.0pp |
| Annual return | 18.92% | 24.19%-5.3pp | 151.10%-132.2pp | 31.72%-12.8pp |
| Employer contribution / active EE | $440 | $3,256-86.5% | $5,011-91.2% | $2,471-82.2% |
| Participant deferral / active EE | $1,623 | $3,236-49.8% | $5,202-68.8% | $3,740-56.6% |
| Admin fee / account holder | $1,284 | $6,749-81.0% | $13,986-90.8% | $5,306-75.8% |