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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 | $6,480 | $98,652-93.4% | $142,942-95.5% | $82,448-92.1% |
| Participation rate | 58.7% | 72.8%-14.0pp | 76.8%-18.1pp | 68.1%-9.3pp |
| Annual return | 27.40% | 22.65%+4.7pp | 113.70%-86.3pp | 41.64%-14.2pp |
| Employer contribution / active EE | $1,333 | $3,211-58.5% | $4,139-67.8% | $2,551-47.8% |
| Participant deferral / active EE | $1,781 | $5,580-68.1% | $7,128-75.0% | $4,139-57.0% |
| Admin fee / account holder | $1,472 | $8,078-81.8% | $12,475-88.2% | $7,234-79.7% |