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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 | $3,510 | $56,063-93.7% | $76,051-95.4% | $80,911-95.7% |
| Participation rate | 69.6% | 62.0%+7.5pp | 69.1%+0.5pp | 67.6%+1.9pp |
| Annual return | 17.02% | 20.54%-3.5pp | 360.42%-343.4pp | 35.63%-18.6pp |
| Employer contribution / active EE | $588 | $1,874-68.6% | $2,690-78.1% | $2,756-78.7% |
| Participant deferral / active EE | $1,228 | $3,052-59.8% | $4,257-71.2% | $4,297-71.4% |
| Admin fee / account holder | $654 | $5,240-87.5% | $6,416-89.8% | $6,935-90.6% |