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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 | $13,603 | $109,782-87.6% | $260,467-94.8% | $94,015-85.5% |
| Participation rate | 63.9% | 67.2%-3.3pp | 80.5%-16.6pp | 70.8%-6.9pp |
| Annual return | 71.80% | 18.60%+53.2pp | 100.60%-28.8pp | 17.84%+54.0pp |
| Employer contribution / active EE | $1,142 | $2,147-46.8% | $4,239-73.1% | $2,790-59.1% |
| Participant deferral / active EE | $2,069 | $4,044-48.8% | $6,319-67.3% | $4,249-51.3% |
| Admin fee / account holder | $368 | $11,958-96.9% | $15,461-97.6% | $8,951-95.9% |