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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 | $6,952 | $65,034-89.3% | $90,970-92.4% | $79,856-91.3% |
| Participation rate | 40.0% | 61.6%-21.6pp | 69.0%-29.0pp | 69.6%-29.6pp |
| Annual return | 19.30% | 30.45%-11.2pp | 134.60%-115.3pp | 31.71%-12.4pp |
| Employer contribution / active EE | $1,390 | $1,247+11.5% | $2,122-34.5% | $2,471-43.7% |
| Participant deferral / active EE | $1,649 | $2,512-34.4% | $3,373-51.1% | $3,741-55.9% |
| Admin fee / account holder | $490 | $4,536-89.2% | $5,961-91.8% | $5,306-90.8% |