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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 | $4,381 | $45,343-90.3% | $150,298-97.1% | $67,986-93.6% |
| Participation rate | 50.4% | 51.9%-1.4pp | 77.8%-27.3pp | 57.2%-6.8pp |
| Annual return | 20.81% | 33.28%-12.5pp | 62.79%-42.0pp | 31.67%-10.9pp |
| Employer contribution / active EE | $439 | $1,462-70.0% | $4,154-89.4% | $2,019-78.3% |
| Participant deferral / active EE | $812 | $2,055-60.5% | $5,453-85.1% | $3,358-75.8% |
| Admin fee / account holder | $737 | $2,250-67.3% | $14,116-94.8% | $3,203-77.0% |