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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 | $6,378 | $65,376-90.2% | $87,104-92.7% | $65,185-90.2% |
| Participation rate | 45.3% | 75.3%-30.0pp | 76.9%-31.6pp | 70.2%-24.9pp |
| Annual return | 184.53% | 31.27%+153.3pp | 28.19%+156.3pp | 29.38%+155.1pp |
| Employer contribution / active EE | $865 | $1,822-52.6% | $2,521-65.7% | $2,177-60.3% |
| Participant deferral / active EE | $1,895 | $3,388-44.1% | $4,048-53.2% | $3,514-46.1% |
| Admin fee / account holder | $354 | $520-31.8% | $7,491-95.3% | $847-58.2% |