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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 | $4,843 | $81,331-94.0% | $155,534-96.9% | $80,935-94.0% |
| Participation rate | 48.0% | 66.3%-18.3pp | 78.2%-30.2pp | 67.7%-19.7pp |
| Annual return | 11.49% | 33.37%-21.9pp | 64.92%-53.4pp | 35.66%-24.2pp |
| Employer contribution / active EE | $1,499 | $3,105-51.7% | $4,675-67.9% | $2,757-45.6% |
| Participant deferral / active EE | $1,944 | $3,454-43.7% | $5,630-65.5% | $4,299-54.8% |
| Admin fee / account holder | $890 | $7,999-88.9% | $15,900-94.4% | $6,924-87.2% |