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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 | $5,614 | $81,276-93.1% | $155,574-96.4% | $80,925-93.1% |
| Participation rate | 30.8% | 66.2%-35.5pp | 78.2%-47.4pp | 67.7%-36.9pp |
| Annual return | 50.16% | 33.36%+16.8pp | 64.87%-14.7pp | 35.65%+14.5pp |
| Employer contribution / active EE | $517 | $3,103-83.3% | $4,676-88.9% | $2,756-81.3% |
| Participant deferral / active EE | $1,307 | $3,453-62.1% | $5,629-76.8% | $4,299-69.6% |
| Admin fee / account holder | $5,097 | $7,993-36.2% | $15,914-68.0% | $6,940-26.6% |