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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 | $6,461 | $90,107-92.8% | $182,262-96.5% | $69,733-90.7% |
| Participation rate | 43.0% | 64.8%-21.9pp | 84.2%-41.2pp | 62.5%-19.5pp |
| Annual return | 24.75% | 95.58%-70.8pp | 140.60%-115.8pp | 15.22%+9.5pp |
| Employer contribution / active EE | $564 | $3,043-81.5% | $5,046-88.8% | $2,250-74.9% |
| Participant deferral / active EE | $1,398 | $5,135-72.8% | $8,276-83.1% | $3,054-54.2% |
| Admin fee / account holder | $790 | $3,377-76.6% | $16,712-95.3% | $3,102-74.5% |