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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 | $10,020 | $75,962-86.8% | $154,108-93.5% | $64,173-84.4% |
| Participation rate | 64.8% | 70.4%-5.6pp | 83.0%-18.3pp | 69.6%-4.8pp |
| Annual return | 10.26% | 30.32%-20.1pp | 735.21%-724.9pp | 7.63%+2.6pp |
| Employer contribution / active EE | $477 | $3,350-85.8% | $5,298-91.0% | $2,381-80.0% |
| Participant deferral / active EE | $1,508 | $3,175-52.5% | $5,081-70.3% | $3,470-56.5% |
| Admin fee / account holder | $415 | $5,589-92.6% | $13,411-96.9% | $4,887-91.5% |