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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 | $5,684 | $77,670-92.7% | $109,163-94.8% | $79,393-92.8% |
| Participation rate | 59.0% | 67.8%-8.8pp | 75.9%-16.9pp | 70.7%-11.7pp |
| Annual return | 50.88% | 23.44%+27.4pp | 25.75%+25.1pp | 116.87%-66.0pp |
| Employer contribution / active EE | $1,123 | $2,798-59.9% | $3,723-69.8% | $2,428-53.8% |
| Participant deferral / active EE | $1,772 | $3,518-49.6% | $4,654-61.9% | $4,046-56.2% |
| Admin fee / account holder | $400 | $732-45.3% | $6,754-94.1% | $627-36.1% |