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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 | $76,407-93.7% | $150,298-96.8% | $82,448-94.2% |
| Participation rate | 48.9% | 66.4%-17.5pp | 77.8%-28.9pp | 68.1%-19.2pp |
| Annual return | 57.25% | 39.99%+17.3pp | 62.79%-5.5pp | 41.64%+15.6pp |
| Employer contribution / active EE | $485 | $2,614-81.4% | $4,154-88.3% | $2,551-81.0% |
| Participant deferral / active EE | $1,271 | $3,214-60.5% | $5,453-76.7% | $4,139-69.3% |
| Admin fee / account holder | $348 | $6,352-94.5% | $14,116-97.5% | $7,234-95.2% |