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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 | $3,839 | $97,125-96.0% | $86,233-95.5% | $137,256-97.2% |
| Participation rate | 43.5% | 74.2%-30.7pp | 69.0%-25.5pp | 80.0%-36.5pp |
| Annual return | 28.32% | 74.19%-45.9pp | 61.39%-33.1pp | 220.34%-192.0pp |
| Employer contribution / active EE | $484 | $2,841-83.0% | $2,504-80.7% | $4,156-88.4% |
| Participant deferral / active EE | $856 | $5,180-83.5% | $4,559-81.2% | $6,407-86.6% |
| Admin fee / account holder | $397 | $9,725-95.9% | $8,342-95.2% | $12,270-96.8% |