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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 | $41,016-89.3% | $152,093-97.1% | $64,097-93.2% |
| Participation rate | 50.4% | 51.3%-0.9pp | 77.8%-27.4pp | 55.2%-4.8pp |
| Annual return | 20.81% | 39.60%-18.8pp | 66.36%-45.6pp | 34.64%-13.8pp |
| Employer contribution / active EE | $439 | $1,342-67.3% | $4,175-89.5% | $1,891-76.8% |
| Participant deferral / active EE | $812 | $1,927-57.9% | $5,451-85.1% | $3,080-73.6% |
| Admin fee / account holder | $737 | $2,305-68.0% | $14,497-94.9% | $3,454-78.7% |