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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 | $5,181 | $55,902-90.7% | $76,030-93.2% | $80,959-93.6% |
| Participation rate | 63.6% | 62.1%+1.6pp | 69.1%-5.4pp | 67.7%-4.0pp |
| Annual return | 17.53% | 20.59%-3.1pp | 361.54%-344.0pp | 35.67%-18.1pp |
| Employer contribution / active EE | $813 | $1,867-56.5% | $2,688-69.8% | $2,757-70.5% |
| Participant deferral / active EE | $1,060 | $3,051-65.2% | $4,257-75.1% | $4,300-75.3% |
| Admin fee / account holder | $1,064 | $5,239-79.7% | $6,421-83.4% | $6,925-84.6% |