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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 | $4,882 | $81,358-94.0% | $155,556-96.9% | $80,959-94.0% |
| Participation rate | 60.6% | 66.3%-5.7pp | 78.2%-17.6pp | 67.7%-7.1pp |
| Annual return | 76.05% | 33.39%+42.7pp | 64.84%+11.2pp | 35.67%+40.4pp |
| Employer contribution / active EE | $758 | $3,106-75.6% | $4,675-83.8% | $2,757-72.5% |
| Participant deferral / active EE | $2,103 | $3,455-39.1% | $5,631-62.7% | $4,300-51.1% |
| Admin fee / account holder | $595 | $7,994-92.6% | $15,885-96.3% | $6,925-91.4% |