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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 | $5,845 | $81,358-92.8% | $155,556-96.2% | $80,959-92.8% |
| Participation rate | 64.0% | 66.3%-2.3pp | 78.2%-14.2pp | 67.7%-3.7pp |
| Annual return | 10.90% | 33.39%-22.5pp | 64.84%-53.9pp | 35.67%-24.8pp |
| Employer contribution / active EE | $1,107 | $3,106-64.4% | $4,675-76.3% | $2,757-59.9% |
| Participant deferral / active EE | $1,441 | $3,455-58.3% | $5,631-74.4% | $4,300-66.5% |
| Admin fee / account holder | $1,622 | $7,994-79.7% | $15,885-89.8% | $6,925-76.6% |