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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 | $6,926 | $75,807-90.9% | $116,096-94.0% | $86,983-92.0% |
| Participation rate | 59.6% | 66.9%-7.3pp | 73.3%-13.7pp | 69.5%-10.0pp |
| Annual return | 19.55% | 18.57%+1.0pp | 326.25%-306.7pp | 25.83%-6.3pp |
| Employer contribution / active EE | $1,201 | $1,892-36.5% | $2,503-52.0% | $2,584-53.5% |
| Participant deferral / active EE | $2,021 | $3,212-37.1% | $3,952-48.8% | $4,194-51.8% |
| Admin fee / account holder | $2,310 | $6,659-65.3% | $7,704-70.0% | $7,856-70.6% |