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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 | $9,335 | $78,690-88.1% | $161,489-94.2% | $87,485-89.3% |
| Participation rate | 48.6% | 67.5%-18.9pp | 78.7%-30.1pp | 68.9%-20.4pp |
| Annual return | 14.92% | 32.74%-17.8pp | 89.72%-74.8pp | 26.06%-11.1pp |
| Employer contribution / active EE | $379 | $2,588-85.3% | $4,268-91.1% | $2,596-85.4% |
| Participant deferral / active EE | $1,011 | $3,311-69.5% | $5,630-82.0% | $4,274-76.3% |
| Admin fee / account holder | $669 | $6,724-90.1% | $16,006-95.8% | $7,775-91.4% |