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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 | $7,460 | $60,442-87.7% | $96,754-92.3% | $87,485-91.5% |
| Participation rate | 69.0% | 58.7%+10.3pp | 70.3%-1.3pp | 68.9%0pp |
| Annual return | 16.49% | 21.97%-5.5pp | 82.04%-65.5pp | 26.06%-9.6pp |
| Employer contribution / active EE | $1,221 | $1,691-27.8% | $2,679-54.4% | $2,596-53.0% |
| Participant deferral / active EE | $2,183 | $3,280-33.5% | $4,758-54.1% | $4,274-48.9% |
| Admin fee / account holder | $396 | $5,069-92.2% | $8,905-95.6% | $7,775-94.9% |