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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 | $4,800 | $37,446-87.2% | $77,552-93.8% | $79,856-94.0% |
| Participation rate | 32.4% | 41.5%-9.2pp | 54.2%-21.8pp | 69.6%-37.3pp |
| Annual return | 22.44% | 39.76%-17.3pp | 54.82%-32.4pp | 31.71%-9.3pp |
| Employer contribution / active EE | $321 | $637-49.7% | $987-67.5% | $2,471-87.0% |
| Participant deferral / active EE | $520 | $1,261-58.8% | $1,861-72.1% | $3,741-86.1% |
| Admin fee / account holder | $586 | $2,506-76.6% | $2,859-79.5% | $5,306-89.0% |