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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 | $4,154 | $91,198-95.4% | $178,503-97.7% | $79,856-94.8% |
| Participation rate | 21.1% | 69.2%-48.2pp | 81.9%-60.9pp | 69.6%-48.6pp |
| Annual return | 25.36% | 24.20%+1.2pp | 151.12%-125.8pp | 31.71%-6.4pp |
| Employer contribution / active EE | $376 | $3,257-88.5% | $5,011-92.5% | $2,471-84.8% |
| Participant deferral / active EE | $1,066 | $3,237-67.1% | $5,202-79.5% | $3,741-71.5% |
| Admin fee / account holder | $4,544 | $6,748-32.7% | $13,987-67.5% | $5,306-14.4% |