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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 | $9,137 | $93,055-90.2% | $153,643-94.1% | $80,935-88.7% |
| Participation rate | 68.4% | 69.0%-0.6pp | 77.1%-8.7pp | 67.7%+0.8pp |
| Annual return | 18.71% | 19.97%-1.3pp | 15.71%+3.0pp | 35.66%-16.9pp |
| Employer contribution / active EE | $1,151 | $3,504-67.1% | $5,039-77.2% | $2,757-58.2% |
| Participant deferral / active EE | $2,709 | $5,172-47.6% | $6,754-59.9% | $4,299-37.0% |
| Admin fee / account holder | $688 | $8,881-92.2% | $12,739-94.6% | $6,924-90.1% |