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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 | $4,509 | $48,053-90.6% | $84,628-94.7% | $72,975-93.8% |
| Participation rate | 34.1% | 57.6%-23.5pp | 68.2%-34.1pp | 69.5%-35.4pp |
| Annual return | 25.97% | 37.39%-11.4pp | 258.80%-232.8pp | 81.01%-55.0pp |
| Employer contribution / active EE | $383 | $1,602-76.1% | $2,653-85.6% | $2,440-84.3% |
| Participant deferral / active EE | $934 | $2,681-65.1% | $3,900-76.0% | $3,608-74.1% |
| Admin fee / account holder | $1,614 | $3,395-52.5% | $4,914-67.2% | $5,124-68.5% |