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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 | $6,190 | $58,848-89.5% | $88,179-93.0% | $82,637-92.5% |
| Participation rate | 67.4% | 57.9%+9.5pp | 69.1%-1.7pp | 68.1%-0.6pp |
| Annual return | 17.40% | 22.76%-5.4pp | 64.97%-47.6pp | 53.51%-36.1pp |
| Employer contribution / active EE | $537 | $1,678-68.0% | $2,549-78.9% | $2,552-79.0% |
| Participant deferral / active EE | $1,125 | $3,124-64.0% | $4,614-75.6% | $4,126-72.7% |
| Admin fee / account holder | $2,103 | $4,795-56.2% | $7,673-72.6% | $7,339-71.3% |