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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 | $5,414 | $58,627-90.8% | $76,735-92.9% | $82,448-93.4% |
| Participation rate | 65.4% | 63.2%+2.2pp | 69.5%-4.1pp | 68.1%-2.7pp |
| Annual return | 27.37% | 39.10%-11.7pp | 29.77%-2.4pp | 41.64%-14.3pp |
| Employer contribution / active EE | $427 | $1,729-75.3% | $2,454-82.6% | $2,551-83.2% |
| Participant deferral / active EE | $1,815 | $3,134-42.1% | $4,088-55.6% | $4,139-56.1% |
| Admin fee / account holder | $839 | $5,323-84.2% | $7,189-88.3% | $7,234-88.4% |