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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 | $14,156 | $93,346-84.8% | $71,796-80.3% | $273,972-94.8% |
| Participation rate | 69.6% | 76.5%-7.0pp | 69.1%+0.5pp | 83.0%-13.5pp |
| Annual return | 9.86% | 130.39%-120.5pp | 78.04%-68.2pp | 41.46%-31.6pp |
| Employer contribution / active EE | $1,399 | $2,733-48.8% | $1,924-27.3% | $4,869-71.3% |
| Participant deferral / active EE | $5,319 | $3,475+53.1% | $2,794+90.4% | $5,287+0.6% |
| Admin fee / account holder | $659 | $6,571-90.0% | $4,815-86.3% | $10,133-93.5% |