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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 | $3,051 | $63,354-95.2% | $94,105-96.8% | $82,637-96.3% |
| Participation rate | 61.5% | 63.8%-2.3pp | 71.9%-10.4pp | 68.1%-6.5pp |
| Annual return | 16.94% | 34.36%-17.4pp | 204.55%-187.6pp | 53.51%-36.6pp |
| Employer contribution / active EE | $440 | $1,760-75.0% | $2,504-82.5% | $2,552-82.8% |
| Participant deferral / active EE | $768 | $2,873-73.3% | $3,881-80.2% | $4,126-81.4% |
| Admin fee / account holder | $1,242 | $5,073-75.5% | $6,199-80.0% | $7,339-83.1% |