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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 | $5,209 | $58,627-91.1% | $76,735-93.2% | $82,448-93.7% |
| Participation rate | 68.5% | 63.2%+5.3pp | 69.5%-1.0pp | 68.1%+0.5pp |
| Annual return | 20.72% | 39.10%-18.4pp | 29.77%-9.0pp | 41.64%-20.9pp |
| Employer contribution / active EE | $333 | $1,729-80.7% | $2,454-86.4% | $2,551-86.9% |
| Participant deferral / active EE | $1,740 | $3,134-44.5% | $4,088-57.4% | $4,139-58.0% |
| Admin fee / account holder | $998 | $5,323-81.2% | $7,189-86.1% | $7,234-86.2% |