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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 | $4,755 | $90,486-94.7% | $78,676-94.0% | $273,972-98.3% |
| Participation rate | 54.5% | 76.5%-22.0pp | 73.6%-19.0pp | 83.0%-28.5pp |
| Annual return | 18.79% | 75.62%-56.8pp | 62.19%-43.4pp | 41.46%-22.7pp |
| Employer contribution / active EE | $484 | $3,175-84.8% | $2,850-83.0% | $4,869-90.1% |
| Participant deferral / active EE | $1,779 | $3,901-54.4% | $3,517-49.4% | $5,287-66.3% |
| Admin fee / account holder | $1,759 | $5,263-66.6% | $4,510-61.0% | $10,133-82.6% |