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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 | $1,999 | $111,787-98.2% | $93,681-97.9% | $145,978-98.6% |
| Participation rate | 36.4% | 74.2%-37.9pp | 68.7%-32.4pp | 80.3%-43.9pp |
| Annual return | 24.43% | 203.52%-179.1pp | 133.47%-109.0pp | 550.52%-526.1pp |
| Employer contribution / active EE | $1,645 | $3,093-46.8% | $2,422-32.1% | $4,662-64.7% |
| Participant deferral / active EE | $4,569 | $4,918-7.1% | $4,415+3.5% | $6,690-31.7% |
| Admin fee / account holder | $4,119 | $10,256-59.8% | $8,290-50.3% | $13,400-69.3% |