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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 | $8,171 | $58,493-86.0% | $84,021-90.3% | $72,975-88.8% |
| Participation rate | 61.5% | 61.2%+0.3pp | 69.0%-7.5pp | 69.5%-8.0pp |
| Annual return | 104.84% | 28.93%+75.9pp | 71.32%+33.5pp | 81.01%+23.8pp |
| Employer contribution / active EE | $960 | $1,163-17.5% | $1,984-51.6% | $2,440-60.7% |
| Participant deferral / active EE | $1,847 | $2,394-22.8% | $3,239-43.0% | $3,608-48.8% |
| Admin fee / account holder | $309 | $4,569-93.2% | $6,102-94.9% | $5,124-94.0% |