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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 | $6,476 | $58,848-89.0% | $88,179-92.7% | $82,637-92.2% |
| Participation rate | 58.3% | 57.9%+0.4pp | 69.1%-10.8pp | 68.1%-9.7pp |
| Annual return | 15.64% | 22.76%-7.1pp | 64.97%-49.3pp | 53.51%-37.9pp |
| Employer contribution / active EE | $267 | $1,678-84.1% | $2,549-89.5% | $2,552-89.5% |
| Participant deferral / active EE | $1,015 | $3,124-67.5% | $4,614-78.0% | $4,126-75.4% |
| Admin fee / account holder | $1,275 | $4,795-73.4% | $7,673-83.4% | $7,339-82.6% |