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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 | $2,571 | $58,275-95.6% | $81,844-96.9% | $80,935-96.8% |
| Participation rate | 68.0% | 63.5%+4.5pp | 72.4%-4.4pp | 67.7%+0.3pp |
| Annual return | 12.74% | 41.82%-29.1pp | 778.87%-766.1pp | 35.66%-22.9pp |
| Employer contribution / active EE | $296 | $2,346-87.4% | $2,916-89.8% | $2,757-89.3% |
| Participant deferral / active EE | $815 | $3,285-75.2% | $4,323-81.2% | $4,299-81.1% |
| Admin fee / account holder | $415 | $4,749-91.3% | $7,355-94.4% | $6,924-94.0% |