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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 | $4,790 | $76,407-93.7% | $150,298-96.8% | $82,448-94.2% |
| Participation rate | 60.0% | 66.4%-6.4pp | 77.8%-17.8pp | 68.1%-8.1pp |
| Annual return | 15.24% | 39.99%-24.8pp | 62.79%-47.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $737 | $2,614-71.8% | $4,154-82.3% | $2,551-71.1% |
| Participant deferral / active EE | $2,144 | $3,214-33.3% | $5,453-60.7% | $4,139-48.2% |
| Admin fee / account holder | $448 | $6,352-92.9% | $14,116-96.8% | $7,234-93.8% |