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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 | $5,972 | $58,311-89.8% | $81,882-92.7% | $80,959-92.6% |
| Participation rate | 28.6% | 63.5%-34.9pp | 72.4%-43.8pp | 67.7%-39.1pp |
| Annual return | 11.07% | 41.85%-30.8pp | 779.47%-768.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $404 | $2,347-82.8% | $2,916-86.1% | $2,757-85.3% |
| Participant deferral / active EE | $907 | $3,287-72.4% | $4,323-79.0% | $4,300-78.9% |
| Admin fee / account holder | $1,919 | $4,752-59.6% | $7,360-73.9% | $6,925-72.3% |