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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 | $6,103 | $57,541-89.4% | $95,740-93.6% | $75,173-91.9% |
| Participation rate | 51.5% | 62.5%-11.0pp | 72.3%-20.7pp | 67.2%-15.7pp |
| Annual return | 28.73% | 34.93%-6.2pp | 28.41%+0.3pp | 160.72%-132.0pp |
| Employer contribution / active EE | $536 | $1,808-70.3% | $2,836-81.1% | $2,671-79.9% |
| Participant deferral / active EE | $2,020 | $3,074-34.3% | $4,244-52.4% | $4,126-51.0% |
| Admin fee / account holder | $456 | $4,099-88.9% | $5,676-92.0% | $5,651-91.9% |