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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 | $4,585 | $97,125-95.3% | $86,233-94.7% | $137,256-96.7% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.0%-9.0pp | 80.0%-20.0pp |
| Annual return | 33.30% | 74.19%-40.9pp | 61.39%-28.1pp | 220.34%-187.0pp |
| Employer contribution / active EE | $967 | $2,841-66.0% | $2,504-61.4% | $4,156-76.7% |
| Participant deferral / active EE | $1,012 | $5,180-80.5% | $4,559-77.8% | $6,407-84.2% |
| Admin fee / account holder | $810 | $9,725-91.7% | $8,342-90.3% | $12,270-93.4% |