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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 | $3,703 | $60,442-93.9% | $96,754-96.2% | $87,485-95.8% |
| Participation rate | 64.6% | 58.7%+5.8pp | 70.3%-5.7pp | 68.9%-4.4pp |
| Annual return | 32.64% | 21.97%+10.7pp | 82.04%-49.4pp | 26.06%+6.6pp |
| Employer contribution / active EE | $652 | $1,691-61.4% | $2,679-75.7% | $2,596-74.9% |
| Participant deferral / active EE | $1,007 | $3,280-69.3% | $4,758-78.8% | $4,274-76.4% |
| Admin fee / account holder | $574 | $5,069-88.7% | $8,905-93.6% | $7,775-92.6% |