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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 | $12,674 | $80,332-84.2% | $107,187-88.2% | $64,097-80.2% |
| Participation rate | 65.8% | 54.4%+11.4pp | 75.0%-9.2pp | 55.2%+10.6pp |
| Annual return | 17.76% | 24.26%-6.5pp | 204.55%-186.8pp | 34.64%-16.9pp |
| Employer contribution / active EE | $1,156 | $2,501-53.8% | $3,782-69.4% | $1,891-38.9% |
| Participant deferral / active EE | $1,360 | $3,109-56.3% | $5,096-73.3% | $3,080-55.9% |
| Admin fee / account holder | $2,335 | $4,314-45.9% | $9,162-74.5% | $3,454-32.4% |