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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 | $6,772 | $45,343-85.1% | $150,298-95.5% | $67,986-90.0% |
| Participation rate | 63.1% | 51.9%+11.2pp | 77.8%-14.7pp | 57.2%+5.9pp |
| Annual return | 20.96% | 33.28%-12.3pp | 62.79%-41.8pp | 31.67%-10.7pp |
| Employer contribution / active EE | $435 | $1,462-70.2% | $4,154-89.5% | $2,019-78.4% |
| Participant deferral / active EE | $1,224 | $2,055-40.4% | $5,453-77.6% | $3,358-63.5% |
| Admin fee / account holder | $1,261 | $2,250-43.9% | $14,116-91.1% | $3,203-60.6% |