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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 | $5,603 | $58,627-90.4% | $76,735-92.7% | $82,448-93.2% |
| Participation rate | 68.3% | 63.2%+5.0pp | 69.5%-1.2pp | 68.1%+0.2pp |
| Annual return | 18.41% | 39.10%-20.7pp | 29.77%-11.4pp | 41.64%-23.2pp |
| Employer contribution / active EE | $725 | $1,729-58.1% | $2,454-70.5% | $2,551-71.6% |
| Participant deferral / active EE | $1,117 | $3,134-64.3% | $4,088-72.7% | $4,139-73.0% |
| Admin fee / account holder | $1,205 | $5,323-77.4% | $7,189-83.2% | $7,234-83.3% |