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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 | $9,449 | $91,198-89.6% | $178,503-94.7% | $79,856-88.2% |
| Participation rate | 48.3% | 69.2%-20.9pp | 81.9%-33.6pp | 69.6%-21.3pp |
| Annual return | 76.66% | 24.20%+52.5pp | 151.12%-74.5pp | 31.71%+44.9pp |
| Employer contribution / active EE | $459 | $3,257-85.9% | $5,011-90.8% | $2,471-81.4% |
| Participant deferral / active EE | $1,530 | $3,237-52.7% | $5,202-70.6% | $3,741-59.1% |
| Admin fee / account holder | $3,606 | $6,748-46.6% | $13,987-74.2% | $5,306-32.0% |