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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 | $6,644 | $45,312-85.3% | $86,233-92.3% | $67,986-90.2% |
| Participation rate | 65.3% | 42.4%+22.9pp | 69.0%-3.7pp | 57.2%+8.1pp |
| Annual return | 20.07% | 24.79%-4.7pp | 61.39%-41.3pp | 31.67%-11.6pp |
| Employer contribution / active EE | $369 | $1,160-68.2% | $2,504-85.3% | $2,019-81.7% |
| Participant deferral / active EE | $1,591 | $2,185-27.2% | $4,559-65.1% | $3,358-52.6% |
| Admin fee / account holder | $957 | $3,295-70.9% | $8,342-88.5% | $3,203-70.1% |