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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 | $4,647 | $108,882-95.7% | $96,754-95.2% | $154,746-97.0% |
| Participation rate | 50.0% | 75.1%-25.1pp | 70.3%-20.3pp | 80.7%-30.7pp |
| Annual return | 34.99% | 98.39%-63.4pp | 82.04%-47.1pp | 172.34%-137.4pp |
| Employer contribution / active EE | $714 | $3,018-76.3% | $2,679-73.3% | $4,379-83.7% |
| Participant deferral / active EE | $1,170 | $5,323-78.0% | $4,758-75.4% | $6,730-82.6% |
| Admin fee / account holder | $498 | $10,200-95.1% | $8,905-94.4% | $14,365-96.5% |