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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 | $4,345 | $77,920-94.4% | $149,723-97.1% | $75,177-94.2% |
| Participation rate | 57.1% | 65.6%-8.4pp | 78.8%-21.6pp | 67.2%-10.1pp |
| Annual return | 25.19% | 31.72%-6.5pp | 134.50%-109.3pp | 160.75%-135.6pp |
| Employer contribution / active EE | $971 | $3,138-69.0% | $4,821-79.9% | $2,671-63.6% |
| Participant deferral / active EE | $1,175 | $3,411-65.6% | $5,682-79.3% | $4,126-71.5% |
| Admin fee / account holder | $929 | $5,951-84.4% | $13,215-93.0% | $5,651-83.6% |