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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 | $2,908 | $51,222-94.3% | $70,544-95.9% | $75,173-96.1% |
| Participation rate | 59.6% | 61.0%-1.4pp | 68.4%-8.8pp | 67.2%-7.6pp |
| Annual return | 137.66% | 30.06%+107.6pp | 32.79%+104.9pp | 160.72%-23.1pp |
| Employer contribution / active EE | $362 | $1,827-80.2% | $2,976-87.9% | $2,671-86.5% |
| Participant deferral / active EE | $1,544 | $2,850-45.8% | $4,568-66.2% | $4,126-62.6% |
| Admin fee / account holder | $481 | $4,096-88.3% | $6,427-92.5% | $5,651-91.5% |