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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 | $6,493 | $104,251-93.8% | $91,004-92.9% | $147,586-95.6% |
| Participation rate | 61.5% | 78.2%-16.7pp | 75.6%-14.1pp | 82.8%-21.3pp |
| Annual return | 23.49% | 27.06%-3.6pp | 4.60%+18.9pp | 578.59%-555.1pp |
| Employer contribution / active EE | $1,232 | $3,116-60.4% | $2,456-49.8% | $4,876-74.7% |
| Participant deferral / active EE | $1,673 | $4,195-60.1% | $3,548-52.8% | $5,439-69.2% |
| Admin fee / account holder | $2,343 | $8,948-73.8% | $5,417-56.8% | $10,886-78.5% |