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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 | $11,570 | $93,598-87.6% | $135,974-91.5% | $75,173-84.6% |
| Participation rate | 69.7% | 75.2%-5.5pp | 81.9%-12.2pp | 67.2%+2.5pp |
| Annual return | 56.44% | 30.89%+25.6pp | 68.30%-11.9pp | 160.72%-104.3pp |
| Employer contribution / active EE | $2,400 | $3,538-32.2% | $4,859-50.6% | $2,671-10.1% |
| Participant deferral / active EE | $4,231 | $6,405-33.9% | $7,760-45.5% | $4,126+2.5% |
| Admin fee / account holder | $698 | $6,978-90.0% | $10,767-93.5% | $5,651-87.6% |