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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 | $5,604 | $51,638-89.1% | $129,406-95.7% | $80,959-93.1% |
| Participation rate | 64.2% | 56.9%+7.2pp | 69.6%-5.5pp | 67.7%-3.5pp |
| Annual return | 15.79% | 20.78%-5.0pp | 9468.18%-9452.4pp | 35.67%-19.9pp |
| Employer contribution / active EE | $1,284 | $1,584-18.9% | $4,155-69.1% | $2,757-53.4% |
| Participant deferral / active EE | $1,705 | $2,670-36.2% | $4,167-59.1% | $4,300-60.4% |
| Admin fee / account holder | $483 | $4,313-88.8% | $7,689-93.7% | $6,925-93.0% |