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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 | $5,341 | $162,967-96.7% | $135,792-96.1% | $138,895-96.2% |
| Participation rate | 55.6% | 78.3%-22.8pp | 72.6%-17.0pp | 79.9%-24.4pp |
| Annual return | 16.60% | 30.08%-13.5pp | 25.96%-9.4pp | 145.39%-128.8pp |
| Employer contribution / active EE | $1,272 | $4,211-69.8% | $3,496-63.6% | $4,194-69.7% |
| Participant deferral / active EE | $1,936 | $5,640-65.7% | $4,759-59.3% | $6,396-69.7% |
| Admin fee / account holder | $2,595 | $15,306-83.0% | $12,266-78.8% | $12,562-79.3% |