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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 | $4,185 | $77,920-94.6% | $149,723-97.2% | $75,177-94.4% |
| Participation rate | 59.4% | 65.6%-6.2pp | 78.8%-19.4pp | 67.2%-7.8pp |
| Annual return | 21.67% | 31.72%-10.1pp | 134.50%-112.8pp | 160.75%-139.1pp |
| Employer contribution / active EE | $460 | $3,138-85.4% | $4,821-90.5% | $2,671-82.8% |
| Participant deferral / active EE | $986 | $3,411-71.1% | $5,682-82.6% | $4,126-76.1% |
| Admin fee / account holder | $356 | $5,951-94.0% | $13,215-97.3% | $5,651-93.7% |