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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 | $4,177 | $55,930-92.5% | $76,089-94.5% | $80,925-94.8% |
| Participation rate | 69.9% | 62.1%+7.8pp | 69.1%+0.8pp | 67.7%+2.2pp |
| Annual return | 16.80% | 20.58%-3.8pp | 360.94%-344.1pp | 35.65%-18.8pp |
| Employer contribution / active EE | $747 | $1,866-60.0% | $2,690-72.2% | $2,756-72.9% |
| Participant deferral / active EE | $1,548 | $3,051-49.3% | $4,259-63.7% | $4,299-64.0% |
| Admin fee / account holder | $1,414 | $5,241-73.0% | $6,418-78.0% | $6,940-79.6% |