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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 | $5,752 | $31,388-81.7% | $73,550-92.2% | $62,293-90.8% |
| Participation rate | 44.9% | 39.9%+5.0pp | 54.9%-10.0pp | 69.5%-24.6pp |
| Annual return | 95.88% | 25.34%+70.5pp | -15.16%+111.0pp | 28.90%+67.0pp |
| Employer contribution / active EE | $669 | $498+34.3% | $1,219-45.2% | $2,042-67.3% |
| Participant deferral / active EE | $1,417 | $1,028+37.8% | $1,804-21.5% | $3,169-55.3% |
| Admin fee / account holder | $503 | $299+68.0% | $2,320-78.3% | $479+4.9% |