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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 | $6,521 | $211,946-96.9% | $169,452-96.2% | $135,379-95.2% |
| Participation rate | 54.5% | 82.6%-28.1pp | 77.8%-23.2pp | 82.6%-28.1pp |
| Annual return | -4.56% | 3.26%-7.8pp | 1.83%-6.4pp | 519.79%-524.3pp |
| Employer contribution / active EE | $492 | $5,117-90.4% | $4,157-88.2% | $4,779-89.7% |
| Participant deferral / active EE | $1,100 | $6,075-81.9% | $5,277-79.1% | $5,609-80.4% |
| Admin fee / account holder | $487 | $11,472-95.8% | $9,110-94.7% | $10,828-95.5% |