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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 | $3,855 | $77,901-95.1% | $149,717-97.4% | $75,181-94.9% |
| Participation rate | 40.4% | 65.6%-25.2pp | 78.8%-38.4pp | 67.2%-26.8pp |
| Annual return | 21.36% | 31.73%-10.4pp | 134.41%-113.1pp | 160.69%-139.3pp |
| Employer contribution / active EE | $673 | $3,137-78.6% | $4,820-86.0% | $2,671-74.8% |
| Participant deferral / active EE | $1,070 | $3,411-68.6% | $5,682-81.2% | $4,126-74.1% |
| Admin fee / account holder | $494 | $5,949-91.7% | $13,213-96.3% | $5,650-91.3% |