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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 | $3,838 | $81,358-95.3% | $155,556-97.5% | $80,959-95.3% |
| Participation rate | 35.9% | 66.3%-30.4pp | 78.2%-42.3pp | 67.7%-31.8pp |
| Annual return | 11.71% | 33.39%-21.7pp | 64.84%-53.1pp | 35.67%-24.0pp |
| Employer contribution / active EE | $515 | $3,106-83.4% | $4,675-89.0% | $2,757-81.3% |
| Participant deferral / active EE | $1,098 | $3,455-68.2% | $5,631-80.5% | $4,300-74.5% |
| Admin fee / account holder | $1,592 | $7,994-80.1% | $15,885-90.0% | $6,925-77.0% |