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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 | $4,220 | $85,171-95.0% | $172,752-97.6% | $72,975-94.2% |
| Participation rate | 50.0% | 70.1%-20.1pp | 82.6%-32.6pp | 69.5%-19.5pp |
| Annual return | 31.23% | 27.32%+3.9pp | 802.97%-771.7pp | 81.01%-49.8pp |
| Employer contribution / active EE | $762 | $3,324-77.1% | $5,144-85.2% | $2,440-68.8% |
| Participant deferral / active EE | $954 | $3,260-70.7% | $5,198-81.6% | $3,608-73.6% |
| Admin fee / account holder | $444 | $5,880-92.4% | $13,955-96.8% | $5,124-91.3% |