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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 | $5,907 | $103,393-94.3% | $87,103-93.2% | $152,909-96.1% |
| Participation rate | 69.2% | 79.4%-10.1pp | 76.9%-7.6pp | 82.5%-13.2pp |
| Annual return | 65.40% | 28.10%+37.3pp | 28.19%+37.2pp | 345.46%-280.1pp |
| Employer contribution / active EE | $1,326 | $3,221-58.8% | $2,521-47.4% | $4,764-72.2% |
| Participant deferral / active EE | $2,491 | $4,778-47.9% | $4,049-38.5% | $5,851-57.4% |
| Admin fee / account holder | $1,077 | $12,195-91.2% | $7,491-85.6% | $11,601-90.7% |