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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 | $5,639 | $118,467-95.2% | $98,450-94.3% | $139,456-96.0% |
| Participation rate | 45.5% | 77.5%-32.0pp | 75.2%-29.7pp | 80.3%-34.9pp |
| Annual return | 114.38% | 18.95%+95.4pp | 21.16%+93.2pp | 373.45%-259.1pp |
| Employer contribution / active EE | $1,160 | $3,611-67.9% | $3,049-61.9% | $4,753-75.6% |
| Participant deferral / active EE | $1,459 | $5,393-72.9% | $4,739-69.2% | $6,711-78.3% |
| Admin fee / account holder | $1,011 | $14,057-92.8% | $8,961-88.7% | $11,407-91.1% |