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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 | $5,015 | $54,763-90.8% | $90,324-94.4% | $72,976-93.1% |
| Participation rate | 39.3% | 65.2%-25.8pp | 73.3%-33.9pp | 69.5%-30.1pp |
| Annual return | 36.07% | 30.63%+5.4pp | 78.15%-42.1pp | 81.02%-44.9pp |
| Employer contribution / active EE | $560 | $2,093-73.3% | $2,856-80.4% | $2,440-77.1% |
| Participant deferral / active EE | $1,168 | $2,887-59.5% | $3,885-69.9% | $3,608-67.6% |
| Admin fee / account holder | $409 | $3,973-89.7% | $5,356-92.4% | $5,124-92.0% |