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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 | $10,252 | $61,815-83.4% | $97,295-89.5% | $80,959-87.3% |
| Participation rate | 41.5% | 63.5%-22.0pp | 72.7%-31.2pp | 67.7%-26.2pp |
| Annual return | 15.90% | -558.73%+574.6pp | 75.62%-59.7pp | 35.67%-19.8pp |
| Employer contribution / active EE | $403 | $1,836-78.1% | $2,723-85.2% | $2,757-85.4% |
| Participant deferral / active EE | $1,830 | $3,027-39.5% | $4,264-57.1% | $4,300-57.4% |
| Admin fee / account holder | $537 | $5,166-89.6% | $5,646-90.5% | $6,925-92.2% |