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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 | $3,788 | $55,930-93.2% | $76,089-95.0% | $80,925-95.3% |
| Participation rate | 65.2% | 62.1%+3.2pp | 69.1%-3.9pp | 67.7%-2.4pp |
| Annual return | 17.84% | 20.58%-2.7pp | 360.94%-343.1pp | 35.65%-17.8pp |
| Employer contribution / active EE | $475 | $1,866-74.6% | $2,690-82.3% | $2,756-82.8% |
| Participant deferral / active EE | $1,448 | $3,051-52.5% | $4,259-66.0% | $4,299-66.3% |
| Admin fee / account holder | $1,063 | $5,241-79.7% | $6,418-83.4% | $6,940-84.7% |