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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 | $9,162 | $93,345-90.2% | $119,126-92.3% | $87,485-89.5% |
| Participation rate | 57.4% | 68.7%-11.3pp | 75.8%-18.4pp | 68.9%-11.5pp |
| Annual return | 25.39% | 19.08%+6.3pp | 282.11%-256.7pp | 26.06%-0.7pp |
| Employer contribution / active EE | $1,154 | $3,172-63.6% | $4,034-71.4% | $2,596-55.5% |
| Participant deferral / active EE | $1,999 | $4,099-51.2% | $5,318-62.4% | $4,274-53.2% |
| Admin fee / account holder | $961 | $8,039-88.1% | $10,693-91.0% | $7,775-87.6% |