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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 | $15,620 | $70,435-77.8% | $96,575-83.8% | $85,856-81.8% |
| Participation rate | 60.0% | 61.8%-1.8pp | 69.8%-9.8pp | 69.3%-9.3pp |
| Annual return | 15.56% | 18.59%-3.0pp | 37.79%-22.2pp | 318.58%-303.0pp |
| Employer contribution / active EE | $1,052 | $1,413-25.5% | $2,357-55.3% | $2,565-59.0% |
| Participant deferral / active EE | $2,031 | $2,894-29.8% | $3,849-47.2% | $3,952-48.6% |
| Admin fee / account holder | $934 | $4,997-81.3% | $6,182-84.9% | $6,261-85.1% |