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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 | $10,435 | $50,947-79.5% | $74,549-86.0% | $64,173-83.7% |
| Participation rate | 39.8% | 61.1%-21.3pp | 69.1%-29.3pp | 69.6%-29.8pp |
| Annual return | 88.11% | -1.85%+90.0pp | 32.53%+55.6pp | 7.63%+80.5pp |
| Employer contribution / active EE | $559 | $1,115-49.9% | $1,961-71.5% | $2,381-76.5% |
| Participant deferral / active EE | $1,195 | $2,302-48.1% | $3,108-61.5% | $3,470-65.5% |
| Admin fee / account holder | $814 | $4,221-80.7% | $5,059-83.9% | $4,887-83.3% |