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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 | $4,818 | $78,690-93.9% | $161,489-97.0% | $87,485-94.5% |
| Participation rate | 48.9% | 67.5%-18.6pp | 78.7%-29.8pp | 68.9%-20.1pp |
| Annual return | 57.25% | 32.74%+24.5pp | 89.72%-32.5pp | 26.06%+31.2pp |
| Employer contribution / active EE | $485 | $2,588-81.3% | $4,268-88.6% | $2,596-81.3% |
| Participant deferral / active EE | $1,271 | $3,311-61.6% | $5,630-77.4% | $4,274-70.3% |
| Admin fee / account holder | $348 | $6,724-94.8% | $16,006-97.8% | $7,775-95.5% |