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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 | $5,600 | $58,627-90.4% | $76,735-92.7% | $82,448-93.2% |
| Participation rate | 55.2% | 63.2%-8.0pp | 69.5%-14.3pp | 68.1%-12.9pp |
| Annual return | 21.53% | 39.10%-17.6pp | 29.77%-8.2pp | 41.64%-20.1pp |
| Employer contribution / active EE | $1,093 | $1,729-36.8% | $2,454-55.5% | $2,551-57.2% |
| Participant deferral / active EE | $2,454 | $3,134-21.7% | $4,088-40.0% | $4,139-40.7% |
| Admin fee / account holder | $368 | $5,323-93.1% | $7,189-94.9% | $7,234-94.9% |