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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 | $5,946 | $45,343-86.9% | $150,298-96.0% | $67,986-91.3% |
| Participation rate | 33.3% | 51.9%-18.5pp | 77.8%-44.4pp | 57.2%-23.9pp |
| Annual return | 16.59% | 33.28%-16.7pp | 62.79%-46.2pp | 31.67%-15.1pp |
| Employer contribution / active EE | $432 | $1,462-70.4% | $4,154-89.6% | $2,019-78.6% |
| Participant deferral / active EE | $803 | $2,055-60.9% | $5,453-85.3% | $3,358-76.1% |
| Admin fee / account holder | $323 | $2,250-85.6% | $14,116-97.7% | $3,203-89.9% |