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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 | $4,232 | $45,343-90.7% | $150,298-97.2% | $67,986-93.8% |
| Participation rate | 67.5% | 51.9%+15.6pp | 77.8%-10.3pp | 57.2%+10.3pp |
| Annual return | 16.23% | 33.28%-17.1pp | 62.79%-46.6pp | 31.67%-15.4pp |
| Employer contribution / active EE | $395 | $1,462-73.0% | $4,154-90.5% | $2,019-80.4% |
| Participant deferral / active EE | $1,022 | $2,055-50.2% | $5,453-81.2% | $3,358-69.6% |
| Admin fee / account holder | $366 | $2,250-83.7% | $14,116-97.4% | $3,203-88.6% |