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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 | $10,620 | $76,551-86.1% | $123,894-91.4% | $62,881-83.1% |
| Participation rate | 68.1% | 73.0%-4.9pp | 81.4%-13.3pp | 69.3%-1.2pp |
| Annual return | 85.61% | 18.68%+66.9pp | 47.52%+38.1pp | 20.14%+65.5pp |
| Employer contribution / active EE | $1,009 | $2,882-65.0% | $4,617-78.1% | $2,281-55.8% |
| Participant deferral / active EE | $2,793 | $4,840-42.3% | $5,984-53.3% | $3,203-12.8% |
| Admin fee / account holder | $716 | $4,826-85.2% | $8,357-91.4% | $4,296-83.3% |