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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 | $7,760 | $56,110-86.2% | $94,993-91.8% | $70,126-88.9% |
| Participation rate | 67.1% | 65.0%+2.1pp | 73.9%-6.8pp | 69.5%-2.4pp |
| Annual return | 28.62% | 51.02%-22.4pp | 27.14%+1.5pp | 73.15%-44.5pp |
| Employer contribution / active EE | $1,335 | $1,442-7.5% | $2,603-48.7% | $2,343-43.0% |
| Participant deferral / active EE | $2,382 | $2,391-0.4% | $3,317-28.2% | $3,332-28.5% |
| Admin fee / account holder | $491 | $3,456-85.8% | $4,960-90.1% | $4,645-89.4% |