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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 | $6,078 | $56,063-89.2% | $76,051-92.0% | $80,911-92.5% |
| Participation rate | 55.2% | 62.0%-6.9pp | 69.1%-13.9pp | 67.6%-12.5pp |
| Annual return | 16.00% | 20.54%-4.5pp | 360.42%-344.4pp | 35.63%-19.6pp |
| Employer contribution / active EE | $437 | $1,874-76.7% | $2,690-83.8% | $2,756-84.2% |
| Participant deferral / active EE | $1,172 | $3,052-61.6% | $4,257-72.5% | $4,297-72.7% |
| Admin fee / account holder | $1,484 | $5,240-71.7% | $6,416-76.9% | $6,935-78.6% |