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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 | $9,487 | $112,729-91.6% | $98,716-90.4% | $137,256-93.1% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 25.88% | 38.48%-12.6pp | 31.81%-5.9pp | 220.34%-194.5pp |
| Employer contribution / active EE | $3,860 | $2,725+41.6% | $2,279+69.4% | $4,156-7.1% |
| Participant deferral / active EE | $3,919 | $4,640-15.5% | $4,048-3.2% | $6,407-38.8% |
| Admin fee / account holder | $3,153 | $10,129-68.9% | $8,703-63.8% | $12,270-74.3% |