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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 | $6,623 | $53,128-87.5% | $86,582-92.4% | $70,126-90.6% |
| Participation rate | 67.9% | 65.3%+2.6pp | 73.5%-5.7pp | 69.5%-1.7pp |
| Annual return | 23.60% | 27.66%-4.1pp | 965.08%-941.5pp | 73.15%-49.5pp |
| Employer contribution / active EE | $1,600 | $2,068-22.6% | $2,839-43.6% | $2,343-31.7% |
| Participant deferral / active EE | $1,095 | $2,695-59.4% | $3,609-69.7% | $3,332-67.1% |
| Admin fee / account holder | $1,115 | $3,584-68.9% | $4,904-77.3% | $4,645-76.0% |