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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 | $53,063-89.8% | $124,206-95.7% | $82,637-93.5% |
| Participation rate | 65.7% | 58.4%+7.3pp | 69.6%-3.9pp | 68.1%-2.3pp |
| Annual return | 14.24% | 68.87%-54.6pp | 515.27%-501.0pp | 53.51%-39.3pp |
| Employer contribution / active EE | $408 | $1,530-73.3% | $3,540-88.5% | $2,552-84.0% |
| Participant deferral / active EE | $1,174 | $2,644-55.6% | $3,968-70.4% | $4,126-71.5% |
| Admin fee / account holder | $634 | $4,281-85.2% | $5,929-89.3% | $7,339-91.4% |