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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 | $5,399 | $52,353-89.7% | $120,225-95.5% | $82,448-93.5% |
| Participation rate | 65.7% | 58.3%+7.4pp | 69.6%-3.9pp | 68.1%-2.4pp |
| Annual return | 14.24% | 61.85%-47.6pp | 439.23%-425.0pp | 41.64%-27.4pp |
| Employer contribution / active EE | $408 | $1,510-73.0% | $3,475-88.3% | $2,551-84.0% |
| Participant deferral / active EE | $1,174 | $2,627-55.3% | $3,999-70.6% | $4,139-71.6% |
| Admin fee / account holder | $634 | $4,363-85.5% | $5,696-88.9% | $7,234-91.2% |