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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 | $90,400-85.0% | $186,193-92.7% | $87,485-84.5% |
| Participation rate | 63.9% | 66.2%-2.3pp | 77.1%-13.2pp | 68.9%-5.0pp |
| Annual return | 71.80% | 22.15%+49.6pp | 78.03%-6.2pp | 26.06%+45.7pp |
| Employer contribution / active EE | $1,142 | $2,170-47.4% | $3,918-70.9% | $2,596-56.0% |
| Participant deferral / active EE | $2,069 | $4,330-52.2% | $6,513-68.2% | $4,274-51.6% |
| Admin fee / account holder | $368 | $8,673-95.8% | $11,058-96.7% | $7,775-95.3% |