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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 | $5,824 | $34,316-83.0% | $74,719-92.2% | $72,983-92.0% |
| Participation rate | 26.2% | 42.4%-16.2pp | 54.5%-28.3pp | 69.5%-43.3pp |
| Annual return | 17.81% | 26.58%-8.8pp | 753.05%-735.2pp | 81.01%-63.2pp |
| Employer contribution / active EE | $233 | $692-66.4% | $1,084-78.5% | $2,440-90.5% |
| Participant deferral / active EE | $441 | $1,272-65.3% | $1,963-77.5% | $3,608-87.8% |
| Admin fee / account holder | $965 | $2,125-54.6% | $3,334-71.1% | $5,124-81.2% |