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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 | $3,986 | $49,897-92.0% | $80,648-95.1% | $75,177-94.7% |
| Participation rate | 66.7% | 55.3%+11.3pp | 67.0%-0.3pp | 67.2%-0.5pp |
| Annual return | 17.78% | 34.68%-16.9pp | 937.21%-919.4pp | 160.75%-143.0pp |
| Employer contribution / active EE | $570 | $1,699-66.5% | $2,724-79.1% | $2,671-78.7% |
| Participant deferral / active EE | $1,286 | $2,992-57.0% | $4,443-71.1% | $4,126-68.8% |
| Admin fee / account holder | $372 | $3,579-89.6% | $5,382-93.1% | $5,651-93.4% |