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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 | $51,606-89.1% | $129,339-95.7% | $80,911-93.1% |
| Participation rate | 64.2% | 57.0%+7.2pp | 69.6%-5.5pp | 67.6%-3.5pp |
| Annual return | 15.79% | 20.76%-5.0pp | 9437.05%-9421.3pp | 35.63%-19.8pp |
| Employer contribution / active EE | $1,284 | $1,582-18.9% | $4,154-69.1% | $2,756-53.4% |
| Participant deferral / active EE | $1,705 | $2,669-36.1% | $4,170-59.1% | $4,297-60.3% |
| Admin fee / account holder | $483 | $4,310-88.8% | $7,668-93.7% | $6,935-93.0% |