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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 | $4,199 | $176,402-97.6% | $134,155-96.9% | $158,950-97.4% |
| Participation rate | 30.8% | 78.7%-48.0pp | 72.2%-41.4pp | 82.0%-51.2pp |
| Annual return | 41.91% | 63.66%-21.7pp | 36.34%+5.6pp | 302.91%-261.0pp |
| Employer contribution / active EE | $346 | $5,042-93.1% | $3,705-90.7% | $4,762-92.7% |
| Participant deferral / active EE | $524 | $4,093-87.2% | $3,500-85.0% | $5,983-91.2% |
| Admin fee / account holder | $354 | $8,719-95.9% | $6,685-94.7% | $11,248-96.9% |