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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 | $5,702 | $50,554-88.7% | $67,681-91.6% | $87,485-93.5% |
| Participation rate | 69.6% | 67.7%+1.8pp | 73.7%-4.2pp | 68.9%+0.6pp |
| Annual return | 11.04% | 17.81%-6.8pp | 590.58%-579.5pp | 26.06%-15.0pp |
| Employer contribution / active EE | $705 | $1,988-64.5% | $2,678-73.7% | $2,596-72.8% |
| Participant deferral / active EE | $1,144 | $2,961-61.4% | $3,976-71.2% | $4,274-73.2% |
| Admin fee / account holder | $1,149 | $4,132-72.2% | $6,100-81.2% | $7,775-85.2% |