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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 | $8,359 | $85,169-90.2% | $172,755-95.2% | $72,983-88.5% |
| Participation rate | 27.5% | 70.1%-42.6pp | 82.6%-55.1pp | 69.5%-42.0pp |
| Annual return | 26.46% | 27.32%-0.9pp | 802.94%-776.5pp | 81.01%-54.6pp |
| Employer contribution / active EE | $555 | $3,324-83.3% | $5,144-89.2% | $2,440-77.2% |
| Participant deferral / active EE | $981 | $3,260-69.9% | $5,198-81.1% | $3,608-72.8% |
| Admin fee / account holder | $2,646 | $5,880-55.0% | $13,955-81.0% | $5,124-48.4% |