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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 | $4,997 | $73,518-93.2% | $63,003-92.1% | $147,585-96.6% |
| Participation rate | 52.4% | 77.9%-25.5pp | 74.8%-22.4pp | 82.8%-30.4pp |
| Annual return | 15.62% | 175.46%-159.8pp | 87.59%-72.0pp | 578.56%-562.9pp |
| Employer contribution / active EE | $642 | $3,322-80.7% | $2,760-76.7% | $4,876-86.8% |
| Participant deferral / active EE | $1,436 | $4,183-65.7% | $3,329-56.9% | $5,439-73.6% |
| Admin fee / account holder | $312 | $5,952-94.8% | $3,600-91.3% | $10,885-97.1% |